According to the bank staff, the validity period of credit cards is mostly three to five years, and there are obvious marks on the card surface, such as "validfromxx/xx, validthruxx/xx" or similar marks, indicating that the validity period of credit cards is xx months -xx months, and beyond the time limit, it means that the card can no longer be used.

Then, the validity period is approaching, how should cardholders respond? The reporter learned in the credit card department of a bank that most banks will take the initiative to mail new cards to customers one month before the card expires. However, cardholders should pay attention that if the mailing address changes, they should call the credit card customer service center in advance to change the mailing address, so as to avoid getting a new card. In addition, if you don't receive the new card as scheduled, you should contact the bank in time and ask the bank to mail the card again.

The old and new alternate quotas remain unchanged.

Some cardholders also have doubts about whether the quota and function will change after the renewal of the new card. In this regard, the relevant staff of the bank told the reporter that one month before the card expires, as long as the card does not appear abnormal use status such as freezing, the bank will take the initiative to mail a new card to the customer, and the new card and the original card will not change in terms of functions and quotas, and the points of the original card will be transferred to the new card. However, the situation that the new card quota is reduced does exist. A number of banks said that they will always pay attention to the cardholder's card usage and adjust the credit limit regularly accordingly. Cards with low consumption and low credit limit are likely to be lowered.