There are no consequences. Agricultural Bank of China credit cards have different validity periods depending on the card type, which are generally divided into 3 years, 5 years and 8 years. You can see the embossed card validity period "MM/YY" on the front of the applied card. The first two digits are the month of expiration, and the last two digits are the year of expiration. For example, "12/13" means expiration on December 31, 2013.

There are three types of Agricultural Bank of China bank cards: debit card, quasi-credit card, and credit card

1. Debit cards can always be used as long as the card is not damaged.

2. The quasi-credit card is valid for two years, and the date printed on the card is the validity period. After the validity period, the card cannot be used. You must go to the card issuer with a valid ID and expired card to apply for a card replacement.

3. The credit card is valid for three years. The validity period is printed on the card. After the validity period, the card cannot be used. However, the Agricultural Bank of China Credit Card Center will automatically send a new card unless the card expires. Call the credit card center to make it clear that a new card is not required.

Should I close the account of a bank card that I have not used for a long time?

If the idle bank card is a savings card, then there is no such worry, because starting from August 2017, a customer will only have one account in a bank, so there is no need to pay an annual fee. , so you don’t need to worry about arrears. If you have multiple accounts in a bank card, you do not need to pay annual fees and management fees for only one account. You still need to pay the others, but you don’t need to pay them if this happens. When there is no money in a savings card , and there is no transaction record for a long time, then the bank will define this account as a sleep account.

When you become a dormant account, the bank will no longer continue billing, and if there is still no record of deposits, withdrawals or consumption, the account will be closed. Of course, it takes a long time to switch from a dormant account to automatic account cancellation. It is recommended that you choose to go to the bank to cancel the account by yourself. In fact, the problem with debit cards is not that big, but you have to be careful with credit cards. Generally, credit cards have There is an annual fee, and there will be no annual fee after the number of uses. However, if you do not use it for a long time, you will still incur an annual fee. Even if the credit card is paid off, the annual fee will still be deducted, and in the long run, your consumption will still continue. A certain amount of accumulation will have an impact on personal credit and loans.

And if the credit card has not been used for a long time, but it is lost, if it is stolen, then you will have to bear the cost for no reason, so it is recommended that you be cautious when handling credit cards. Some people also asked why when a debit card needs to be reissued, bank staff are unwilling to reissue it with the original card number. They thought that the old staff said: It is mainly to save trouble. Because the process of re-issuing a card is cumbersome, the waiting time is long, and the labor and time costs are relatively high, so re-issuing the original card number is not recommended. However, many people need the original card number for various reasons, so they can only wait. But there is a kind of card for which there is no way to apply for the original card number, which is the magnetic stripe card, because now banks have chips, so this kind of card You cannot reissue the original card number.