The validity period of the Agricultural Bank of China credit card is a four-digit number separated by a slash in the middle of the front of the card, with two digits for the month and two digits for the year.

1. What is a credit card?

Credit cards are cards issued by commercial banks or credit card companies. They mainly have the function of overdraft consumption. The bank will first grant a credit limit to the credit card, and the user can use it first and repay later. Credit card consumption is a non-cash payment method. You do not need to pay cash when you consume, and you will have to wait until the bill date to repay. Another feature of credit cards is the interest-free period, that is, if you repay within the specified time, no interest will be paid on the amount of overdraft consumption.

2. What should I do if my credit card is expired?

1. Once a credit card expires, the card can no longer be used and a new card needs to be replaced. However, generally one month before the credit card expires, the bank will proactively send a new card to the customer. But what is needed is that if you don’t want to continue using the card, you can call the card issuer one month before the card expires and ask not to change to a new card, but you must pay off all the credit card debt.

2. If you want to continue using the card, but your mailing address changes, in order to receive the 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 you can change the mailing address on the credit card yourself. The correspondence address will be updated on the official website.

3. In addition, if you do not receive the new card as scheduled, you must contact the bank promptly to inquire about relevant information and ask the bank to re-issue the card. After receiving the new card, the cardholder should call the customer service number to activate the card. As the new card becomes effective, the original card will become invalid.

4. Generally speaking, the new credit card is the same as the original credit card in terms of functions, limits, etc. The points of the original credit card will be transferred to the new credit card without affecting the use. However, if there is a bad record on the credit card, the bank will reduce the credit limit. At the same time, if you have maintained a good credit record, you can apply to the bank to increase your credit limit based on your own needs, and the bank will generally agree.