Hello, if you hold a China Merchants Bank credit card, the credit card limit will not expire if you don't use it. The credit card is valid for 5 years, and the card number is displayed as 16. For example, if the number below the card number is 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 the card number is 02/ 13, it means it will expire at the end of February 20 15.

If you don't need a credit card, you can contact the bank to cancel it.

There is an annual fee for credit cards. The annual credit card fee of China Merchants Bank is RMB 100/year for ordinary cards and 300 yuan for gold cards. The annual fee is charged once a year. If you apply for two cards or supplementary cards at the same time, the annual fee for the second card or supplementary card is 1/2 of the first card. The annual fee is calculated from the issuing date of your card (the validity period under the credit card number, and the previous date is the issuing date), which is not a natural year. Successful application for China Merchants Bank Credit Card (except for Unlimited Card/Platinum Card/Business Card /ANA Co-branded Card /VISA MINI Card /MSN MINI Card /VOGUE Titanium Card /HELLOKITTY Fan Gold Card Miss KITTY Perfume Credit Card), the first-year annual fee will be reduced in advance by China Merchants Bank Credit Card or partners, and you will spend six times on a single card within one year after the card is valid (from the date of issuance). And this offer is valid for a long time before the change notice of the new annual fee preferential policy.

The annual fee is calculated from the card issuing date (the date is displayed below the credit card number, the previous date is the card issuing date, and the latter date is the expiration date; If only one date is displayed, the validity period). For example, the card says 07/ 10-07/ 13, which means that the credit card was issued on July 20 10, from August 1 to July 3 1. ,