ICBC card validity period

ICBC cards can be divided into debit cards and credit cards. The limited periods of the two are different, as follows:

1. The validity period of ICBC debit cards is generally 10 years, and the corresponding validity period will be displayed directly on the bank card.

2. The validity period of ICBC credit cards is generally 3-5 years. Users can check the specific expiration date of the credit card directly on the card surface.

ICBC credit cards are the credit cards with the highest circulation in China. The main types of ICBC credit cards include: Peony International Credit Card, Peony Credit Card, and Peony Credit Card; according to the brand of ICBC credit cards, they are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to credit level, they are divided into: Platinum Card, Gold Card and Ordinary Card; according to the issuing objects, they are divided into business cards and personal cards, of which personal cards are divided into primary cards and supplementary cards.

Card classification:

The Peony quasi-credit card is issued by the Industrial and Commercial Bank of China. Cardholders are required to deposit a certain amount of reserve fund. When the reserve account balance is insufficient, payment can be made A quasi-credit card with overdraft within a specified credit limit. The Peony quasi-credit card can be used for settlement in RMB at UnionPay acceptance points in China, Hong Kong, China, Macau, Thailand, South Korea, Singapore and other countries, and has functions such as transfer settlement, cash deposits and withdrawals, and credit consumption. This Peony quasi-credit card is a quasi-credit card with Chinese characteristics. There is no precedent in other countries in the world. The emergence of this quasi-credit card is a reflection of China's imperfect credit system. Peony quasi-credit card has been discontinued. Peony credit cards and Peony international credit cards that truly meet the needs of the public are the direction of development.

Peony International Credit Card:

Peony International Credit Card is an international-level credit card product launched by the Industrial and Commercial Bank of China. International cards are used both at home and abroad, and are settled in RMB and a designated foreign currency. The Peony International Card adopts a revolving credit transaction method. For consumption overdrafts within the credit limit, if the payment is repaid in full before the due repayment date, you can enjoy the interest-free repayment discount. This card is accepted worldwide.

Peony Credit Card:

Peony Credit Card is issued by the Industrial and Commercial Bank of China and gives cardholders a certain credit limit. Cardholders can consume within the credit limit and then repay later. credit card for payment. The credit card uses a revolving credit transaction method. For consumption overdrafts within the credit limit, if you repay in full before the due repayment date, you can enjoy interest-free repayment discounts. The Peony credit card can be used at UnionPay acceptance points in China, Hong Kong, China, Macau, Thailand, South Korea, Singapore and other countries. It is settled in RMB and has functions such as transfer settlement, cash deposits and withdrawals, and credit consumption.

Peony Credit Card:

Peony Credit Card is a credit card issued by the Industrial and Commercial Bank of China. It is a RMB credit card that can only be used within the People's Republic of China and the People's Republic of China. Settled in RMB, it has functions such as credit consumption, transfer settlement, cash deposits and withdrawals, etc. Peony credit cards are divided into business cards and personal cards according to different issuance objects; they are divided into gold cards and ordinary cards according to different credit levels.

ICBC credit card validity period

ICBC credit card validity period is generally 3 to 5 years. Some chip cards may be valid for 8 years, and the longest period shall not exceed 10 years. The specific regulations are as follows:

1. Credit card: The maximum validity period for magnetic stripe cards is 5 years, the maximum validity period for UnionPay single-logo chip cards is 10 years, and the maximum validity period for dual-brand cards processed through 11 methods is 10 years. 8 years, except for special card types;

2. Quasi-credit card: generally 5 years.

The card validity period is clearly marked on the credit card face. The credit card validity period is generally marked below the credit card. The format is "month/year". The first two digits are the month and the last two digits are the year. , you can check the card's expiration date by looking at the information printed embossed on the card. For example: 11/24, the front refers to the specific month, and the latter refers to the specific year, which means that the credit card is valid until November 2024. Starting from November 2024, the credit card will become invalid.

What is the use of setting the validity period of a credit card?

Many people do not understand that the purpose of a credit card is to facilitate people to use it when making purchases. Doesn’t setting an expiration date increase the trouble of using the card? In fact, it is necessary to set the validity period for the following reasons:

1. Ensure the normal use of the credit card. First of all, credit cards have a service life. Usually credit cards will experience daily wear and tear. Especially if the credit card is placed together with keys or some sharp metal, it is more likely to be blocked. Secondly, credit cards will accumulate dirt as they are used, which will cause certain damage to the credit cards. Setting the validity period of a credit card allows the cardholder to proactively go to the bank to replace the card with a new one after the card expires, thereby ensuring the normal use of the credit card.

2. Increase the security of credit cards, reduce risks, and prevent theft. Nowadays, people are accustomed to a "cardless and cashless" life. Many people will not carry their credit cards with them. If the credit card is not properly kept, it will Unscrupulous people may use counterfeit cards or forge them to steal money, which increases the financial risk of cardholders. The validity period setting of credit cards can cause some forgotten credit cards to automatically expire, thereby losing potential financial risks.

3. System upgrade. Banks will upgrade the functions of credit cards, and setting the validity period will enable people to replace new cards in a timely manner, increasing the functions and security of the cards.

How to check the validity period of ICBC cards

The validity period of ICBC debit cards is generally 10 years, and the corresponding validity period will be displayed directly on the bank card.

The validity period of ICBC credit cards is generally 3-5 years. Users can check the specific expiration date of the credit card directly on the card surface.

Industrial and Commercial Bank of China (INDUSTRIALANDCOMMERCIALBANKOFCHINA, ICBC for short) was established on January 1, 1984. The head office is located at No. 55 Fuxingmennei Street, Beijing. It is a large state-owned bank managed by the central government. The basic mission of the Industrial and Commercial Bank of China is to raise social funds through domestic and foreign financing activities in accordance with national laws and regulations, strengthen credit fund management, and support enterprise production. and technological transformation to serve our country’s economic construction.

ICBC’s three-dimensional electronic banking service system consisting of self-service banking, telephone banking, mobile banking and online banking has become increasingly mature. The transaction volume of electronic banking business has grown rapidly, from 1.93 trillion yuan in 2000 to It was 38.4 trillion yuan in 2004, an increase of 20 times. In 2004, the revenue from electronic banking business was 235 million yuan, and the online payment transaction volume was 5.7 billion yuan. It is the largest e-commerce online payment service provider in China.

In February 2017, BrandFinance released the list of the top 500 global brands in 2017, with Industrial and Commercial Bank of China ranking 10th. On June 20, 2018, the "China's 500 Most Valuable Brands" analysis report was released, and ICBC ranked 4th. In July 2018, the British "Banker" magazine released the list of the top 1000 global banks in 2018, with Industrial and Commercial Bank of China ranking first.

In 2018, Fortune ranked 26th among the world's top 500 companies. On December 18, 2018, the "Top 500 World Brands 2018" compiled by the World Brand Laboratory was announced, and ICBC ranked 43rd. On June 26, 2019, eight banks including the Industrial and Commercial Bank of China were among the first to launch online enterprise information verification systems.

In July 2019, it was selected into the 2019 Fortune Global 500, ranking 26th. In December 2019, ICBC was selected into the 100 Model Brands at the 2019 China Brand Power Ceremony. On December 18, 2019, the People's Daily released the China Brand Development Index 100 list, and Industrial and Commercial Bank of China ranked 9th.

On January 4, 2020, it won the "Sustainable Development Effectiveness Award" of the 2020 Finance Evergreen Award. In March 2020, it was selected as the 6th among the top 500 global brands in 2020. In August 2020, the Fortune Global 500 list was released, and Industrial and Commercial Bank of China ranked 24th.

On September 28, 2020, it was selected into the 2020 Top 500 Chinese Enterprises list, ranking fifth.

Where can I check the validity period of an ICBC card?

The validity period of a credit card is embossed on the front of the card. The first two digits are the month and the last two digits are the year (eg: MM/YY). You The card expiration date can be checked from the information printed on the card.

The validity period of the ICBC chip debit card is calculated from the card issuance date and is uniformly set to 10 years. The final expiration time is printed on the lower left corner of the card. Expiration can be processed at any time before or after expiration. Card replacement procedures.

Warm reminder:

The chip debit card is valid for less than 6 months. When handling business through ATMs, smart terminals, online banking, and mobile banking channels, you will receive the message "Card is coming soon." "Expired" prompt, please handle the expiration card replacement business as soon as possible.

(Answer time: September 17, 2021. In case of business changes, please refer to the actual situation.)

How to check the validity period of ICBC credit cards and query the validity period of ICBC bank cards This is the end of the introduction. I wonder if you found the information you need?