Credit cards can be used to spend before repayment within the credit limit, that is, people use overdrafts.

Generally, the card face will be marked with the card opening date or validity period, all of which are Arabic numerals.

Once the credit card expires, the cardholder does not want to continue to use it, and needs to bring his ID card and card to the credit card center of the bank where the account is opened for cancellation.

Otherwise the annual fee will be deducted automatically.

If you use a credit card to handle telephone banking and online banking, you need to cancel the telephone banking and online banking before you can handle the card withdrawal business.

Extended data

Credit card, also called credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers.

Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

The credit card has at least the following information on its surface:

Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, card number, English or pinyin name, activation date (generally calculated to month) and effective date (generally calculated to month). The chip is attached to the front of the newly issued card, and the chip account and the card magnetic stripe account are two relatively independent accounts.

Back: the magnetic stripe of the card, the cardholder's signature column (which must be signed after activation), the service hotline, the four or all digits after the card number (to prevent fraudulent use), and the credit card security code (the three digits immediately after the signature column on the back of the credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ).

References:

? Baidu encyclopedia-credit card