We all know that credit cards can be used not only for credit card spending, but also for online payment. When paying online, it is usually required to enter the validity period of the credit card. If you forget the expiration date or make a mistake, it will lead to failure. If you really can't remember the validity period of a credit card, you can try to find out by these methods.
How to check the expiration date of a credit card if I forget it?
The validity period of credit card is also one of the important vouchers for online payment, and its function is as important as anti-counterfeiting code. Also printed on the front of the credit card, most of them are on the front of the card, and of course some may be printed on the back. However, no matter where it is, the format is similar. MM/YY, as long as you find a set of numbers with diagonal lines, it is undoubtedly effective.
As mentioned above, online credit card transactions must enter the correct card validity period. If you forget the card, just take it out and check it on the face of the credit card. If you don't have it with you, or if you lose your credit card, or if you have your credit card with you but the expiration date has been crossed out, this method will definitely not be found.
Some card friends may want to call the issuing bank's credit card service hotline and turn to manual customer service for help. This looks fine, but customer service may not help you check it, even if the cardholder verifies his identity. After all, only the cardholder has the right to know the validity period of the credit card.
In this case, the safest thing to do is to report the loss of the credit card and issue a new one. When you get a new card, you will naturally know the validity period of the card. It should be reminded that the validity period and security code of the new card may change, so it is necessary to update the previously bound credit card information to the new card information before online transaction.
How do I know the validity period of the credit card? Different situations have different query methods!
The validity period of credit card not only represents the use period of credit card, but also is one of the important vouchers for online payment. You must enter the credit card, credit card expiration date, three-digit security code and verification code to pay online. However, many cardholders don't bring their credit cards when they pay, so they want to know how to know the validity period of the credit cards. Let us introduce them to you.
How to know the validity period of a credit card can be analyzed according to different situations:
1. You can check the validity period of the credit card directly at your side:
As long as you take out your credit card and look at the date embossed on the card surface, it will usually be marked on the credit card in a certain format. There are two common validity formats:
"MM/YY", the first two digits are the expiration month, and the last two digits are the expiration year, which directly tells you when it will expire; VALIDFROMMM/YY, ValidThrummmm/YY, the approval date of the card is in front and the expiration date is in the back.
2. The credit card is around, but the validity period of the card has been worn out;
In this case, the best way is to directly call the 24-hour customer service number on the back of the credit card, transfer it to the manual customer service, and tell the customer service that you want to check the validity period of the credit card. Customer service will ask you to tell your ID number and other information to verify your identity, and will tell you the validity period of the card after confirmation.
I don't have my credit card, so I can't check the expiration date directly:
This situation is similar to the second one. The quickest way is to call the 24-hour customer service number of the issuing bank's credit card and transfer it to manual customer service, so that the customer service can help check the validity period of the credit card. The customer service will also verify your identity and will tell you after confirmation.
What about the validity period of the credit card?
After September 20 18 and 10, the validity period of the new UnionPay credit card Puka and UnionPay credit card Gold Card issued by China Merchants Bank is eight years, while the validity period of other types of credit cards remains unchanged for five years.
The validity period of the credit card is displayed under the 16 digits of the credit card. Some cards only show the expiration time, while others show the interval between issuance and expiration.
If the following number is an interval, such as 02/ 10-02/ 15, it means that the card was issued in February 20 10 and will expire at the end of February 20 15; If the number below only says 02/ 15, it means that 20 15 will expire at the end of February.
Tips:
1. When the validity period of the credit card is entered, the month is after the previous year, such as 02 15.
2. The validity period of the credit card can only be seen after you get the card, and there is no other channel to inquire for the time being.
3. The validity period of the existing credit card remains unchanged before the extension, and you can still use it normally before the expiration of the validity period of the card.
How to deal with credit card expiration:
Once the credit card expires, this card can no longer be used and needs to be replaced with a new one. But generally, one month before the credit card expires, the bank will take the initiative to issue a new card to the customer. However, it should be noted that if you don't want to continue using the card, you can call the issuing bank one month before the card expires and ask not to replace the new card, but you must pay off all the debts of the credit card.
If you want to continue to use the card, but your mailing address has changed, in order to receive a new card from the bank, you can call the card issuer one month in advance to change the mailing address of the credit card, or update the mailing address on the credit card official website yourself.
In addition, if you don't receive the new card as scheduled, you should contact the bank in time to inquire about the relevant information and ask the bank to reissue the card and send it. After receiving the new card, the cardholder should call customer service to open the card. With the new card coming into effect, the original card will be invalid.
Why are credit cards valid?
1. From a physical point of view, credit cards, as a payment medium, are used frequently and will be worn out after long-term use. I believe that many card users have encountered cards with warped skin. Therefore, regular replacement is necessary;
2. Theoretically, the financial situation of the cardholder is constantly changing. After the credit card expires for three years, the bank can decide whether to continue issuing cards according to the cardholder's use of the card.
3. Reduce or avoid risks: the cardholder forgets to report the loss after losing his credit card; Cardholder's long-term malicious overdraft; After the cardholder died, the credit card was fraudulently used.
What if the cardholder doesn't want to continue using the credit card after it expires? The method is simple. Just call the credit card center of the issuing bank one month before the expiration date and tell them not to issue cards.
What should I do after the credit card expires?
1. Contact the issuing bank one month in advance to replace the new card, because the card can no longer be used normally after it expires. In addition, it takes time for banks to make and send new cards, so it is better to replace them in advance. However, most banks will automatically handle the card for you 1 month before the validity of the credit card, and send it to the cardholder according to the original billing address, so in order to avoid the situation that it cannot be sent because of the address change, it is best to contact the bank in advance.
2. Activate the new card in time. After the credit card expires or a new card is activated, the old card will be invalid. So be sure to call the bank customer service in time to activate the new card.
3. If you don't want to continue to use the card, call the bank customer service one month in advance to explain that you won't change the card, and then return the card and cancel the account.
How to replace a credit card after it expires:
One month before the credit card expires, the bank will take the initiative to contact the cardholder and tell him that the credit card needs to be changed, and the old card can still be used until the new card is mailed. If the contact information has been changed and the cardholder wants to change his credit card, it is best to call the bank customer service hotline to inform him of the latest contact information and address, and a new card will be mailed after application.
This is the end of the introduction on how to check the validity period of credit cards and how to check the validity period and the last three digits of credit cards. I wonder if you found the information you need from it?