What about the validity of credit cards

What about the validity of credit cards

Users who use credit cards know that credit cards have a certain service life, and they can't continue to use them after the expiration. If they want to continue to use them, then users must change their cards. Usually, before the credit card expires, the bank will contact the cardholder to change the cards.

some credit card users still don't know how to read the validity period of a credit card. In fact, the validity period of a credit card is on the card face, and its format is "month/year". For example, the number 12/19 is printed on the card face of a credit card, which means that the credit card can be used until December 31, 219. After December 31, the card cannot be used any more. The validity period of credit cards in different banks is different. Usually, the validity period of credit cards is 3-5 years, and some credit cards are valid for 6 years or 8 years. You can check the validity period of credit cards on your own credit card face.

How to change the card when the credit card expires

Usually, the bank will remind the cardholder to change the card by SMS or telephone before the credit card expires. If the user does not want to continue using the credit card, he needs to explain the situation to the bank in advance, so that the bank will not mail the user a new card. If the user does not explain to the bank the idea of not continuing using the credit card, the bank will actively mail the new card to the user. If the receiving address of the credit card changes, the user can modify the mailing address through the following channels:

2. modify the mailing address of credit card through online banking;

3. Download the credit card mobile APP to modify the address, such as the credit card of China Merchants Bank, and you can download the pocket life of China Merchants Bank to modify the mailing address;

4. Credit card official WeChat WeChat official account modifies the mailing address. At present, most banks have their own WeChat WeChat official account, and some banks can also modify the mailing address of credit cards through WeChat WeChat official account.

After the credit card expires, the cardholder needs to pay attention to the following matters

1. Contact the issuing bank one month in advance. It takes time for the credit card to be made and mailed. If the cardholder wants to continue to use the credit card, it is recommended to contact the bank one month in advance to apply for a new card, so as to avoid the situation that the old card expires and the new card has not been received.

2. Even after receiving a new card, it will be activated, because after the new card is successfully renewed, the old card can continue to be used before the expiration date, and the old card will be invalid after the new card is activated;

3. Cut and destroy the old card in time. After the new card is activated, the old card will not be used, but the old card may still be stolen, so users are advised to cut the old card.

how to read the validity period of a credit card!

suppose one sunny day, you are shopping in the mall, and when you check out, you find that you can't use your credit card, and you are penniless, so the scene must be very embarrassing! Why can't I swipe my card? It is very likely that your credit card has expired. Today, I will teach you how to look at the validity period of credit cards.

how to look at the validity period of a credit card? The details are as follows:

A major difference between a general savings card and a credit card is that the validity period is printed on the credit card, and the usual format is: ValidFrom7/14, ValidThru7/17. It means that this credit card is valid from July 214 to July 217. There are also some other representations, such as: ValidDates, MemberSince, Expires, etc., but they all indicate the validity period.

Chinese logos are rarely seen in the validity period of credit cards. What do you think of the validity period of credit cards for cardholders who don't know English?

look for numbers with "/"on the front of the card, such as 1/7 and 1/1. Such a number is easy to wonder, which is the month and which is the year? So please remember that the date of credit card comes according to the habits of foreigners, that is, the month comes before and the year comes after. Then, the dates indicated by the above figures are October 27 and October 21, in which the smaller year is the date of issuance and the larger year is the validity period of the credit card. Most credit cards issued by domestic banks are valid for three years, counting from the day our credit cards are approved.

when you use a credit card to pay for online shopping, you will be required to fill in the validity period of the credit card. Besides, you don't need to worry too much about the validity period of the credit card. Before it expires, the bank will mail a new card to our billing address, and the validity period of the new card is also three years. For cardholders who have expired and have to go out for a long time to use their credit cards, they can call the credit card center of the issuing bank in advance to discuss the issue of changing their cards in advance. Generally speaking, there is no charge.

I'll stop talking to you about the validity period of credit cards. You must be quick to understand! In addition, parents who want to apply for credit cards will introduce credit card applications and give you more choices.

what about the validity period of credit cards?

after September 1, 218, the validity period of the new UnionPay credit card general card and UnionPay credit card gold card issued by China Merchants Bank is eight years, while the validity period of other types of credit cards will not be changed for the time being, but will remain five years;

the validity period of a credit card is displayed below the 16 digits of the credit card. Some cards only show the expiration time, while others show the interval between issuance and expiration.

if the number below is an interval, such as 2/1-2/15, it means that the card was issued in February 21 and will expire at the end of February 215; If the number below only says 2/15, it means it will expire at the end of February 215.

Tips:

1. When entering the validity period of the credit card, the month comes after the previous year, such as 215.

2. the validity period of the credit card can only be seen after you get the card, and there is no other channel to inquire for the time being.

3. the validity period of the existing credit card before the extension will not be changed, and you can still use it normally before the card expires.

How to deal with the expiry date of a credit card:

Once the credit card expires, it 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 send a new card to the customer on its own initiative. However, it should be noted that if you don't want to continue using the card, you can call the issuing bank one month before the card expires and ask not to replace the new card, but you have to pay off all the debts of the credit card.

If you want to continue using the card, but your mailing address changes, in order to receive a 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 update the mailing address on the credit card official website yourself.

in addition, if you don't receive the new card as scheduled, you should contact the bank in time to inquire about the relevant information, and ask the bank to reissue the card and send it. After receiving the new card, the cardholder should call customer service to open the card. With the new card taking effect, the original card will be invalid.

why do credit cards expire?

1. From a physical point of view, credit cards, as a payment medium, are frequently used and will be worn out after long-term use. I believe many card users have encountered cards with warped skins. Therefore, regular replacement is necessary;

2. Theoretically, the financial situation of the cardholder is constantly changing. After the credit card expires for three years, the bank can decide whether to continue issuing cards according to the cardholder's use of the card.

3. Reduce or avoid risks: the cardholder forgets to report the loss after losing his credit card; Cardholder's long-term malicious overdraft; After the death of the cardholder, the credit card was fraudulently used.

what if the cardholder doesn't want to continue using the credit card after it expires? The method is very simple. Just call the credit card center of the issuing bank one month before the expiration date and tell them not to issue cards.

what should I do after my credit card expires?

1. contact the issuing bank one month in advance and replace it with a new card, because the card can no longer be used normally after it expires. In addition, it takes time for banks to make and send new cards, so it is best to replace them in advance. However, most banks will automatically make a card for you one month before the validity period of the credit card and send it to the cardholder according to the original billing address, so in order to avoid the situation that it can't be sent because of the change of address, it is best to contact the bank in advance.

2. activate the new card in time. the old card will be invalid after the credit card expires or the new card is activated. So be sure to call the bank customer service to activate the new card in time.

3. If you don't want to continue using the card, call the bank customer service one month in advance to explain that you won't change the card, and then cancel the card and cancel the account.

How to change the credit card when it expires:

One month before the credit card expires, the bank will contact the cardholder actively and tell them that the credit card should be changed, and the old card can still be used until the new card arrives by mail. If the contact information has been changed and the cardholder wants to change his credit card, it is best to call the customer service hotline of the bank to inform him of the latest contact information and address, and a new card will be mailed after the application.

how to check the service life of credit card (debit card)? What should I do when it expires?

Credit card (debit card) has been close to people's daily life. Many people are using credit card (debit card), but many useful and basic information of credit card (debit card) has been forgotten by everyone.

For example, a credit card (debit card) is different from a debit card in that it has a service life. Before the service life expires, it needs to be replaced with the issuing bank for normal credit card swiping and use.

then why do credit cards (debit cards) have an expiration date? What should I do if it expires? After the credit card (debit card) expires, these operations are crucial and can help you reduce a lot of trouble.

1

How to check the service life of credit card (debit card)?

once the validity period of a credit card (debit card) expires, you can't spend it by credit card, and the card must be sent back to the bank, otherwise you will have to pay the annual fee of the credit card (debit card). It is not difficult to inquire about the validity period of a credit card (debit card). One is to look at the paper in the mail sent to you by the bank, which indicates your billing date, repayment date, the term of the credit card (debit card) and the specific expiration date.

another way is to find a number with a "/"on the card face of a credit card (debit card), for example, 5/23, and the number behind this number indicates the month before the year, because the credit card (debit card) is imported from abroad, and the mark is also in accordance with foreign practices. So 5/23 means that the credit card (debit card) expires in May 223. Generally speaking, the credit card (debit card) issued by major banks in China has a term of 3 to 5 years. If you want to know the specific date, you can call the bank staff or go to the bank counter for consultation.

first: adjust the credit card (debit card) quota.

As we all know, it is not a one-off event to withdraw the credit card (debit card). Many times, you need to apply to the bank, and some people will not do it if they are too troublesome. After the credit card (debit card) expires, the bank will reissue it for you. At this time, it will make new quota adjustment according to your past consumption records, current economic ability and personal credit information. As long as you don't use your credit card (debit card) maliciously, such as overdue, the bank will generally give you an increase and upgrade the card. After you see the cool card, you will be happy and have a desire to spend, so the bank will be happy.

second: improve the security of credit cards (debit cards).

when using a credit card (debit card), if you don't take precautions carefully, it will easily lead to the theft of the credit card (debit card). However, when the credit card (debit card) swipes the card on the pos machine and is bound on the software used by the credit card (debit card), it is necessary to verify the limited period to further verify the security of one more copy. Moreover, after the expiration of the limited period, it will be refused to spend, which can prevent the card thief from always doing anything wrong. In addition, after the credit card (debit card) is used for a long time, the magnetic stripe and other related information will be worn out, and the function is not advanced. After the replacement, the use function of the credit card (debit card) can be increased, which can facilitate the daily consumption of the cardholder.

2

What should I do after the credit card (debit card) expires?

generally speaking, when your credit card (debit card) is about to expire, the bank staff will take the initiative to contact you and ask you to replace it. However, it takes time for the bank to readjust the quota, make cards and send them back, so you'd better contact the issuing bank one month in advance and ask for a replacement card. This is better for cardholders who change their jobs and home addresses, and can let the bank know the cardholder's receiving address clearly. This is crucial, the bank will not cause errors, nor will it affect the normal use of cards.

during the period between the expiration of the credit card (debit card) and the replacement of the new card, the old card can still be used, but there are still risks. Don't disclose all the information of the card during the insurance period. After you get a new card, you can activate it by phone or online banking. After activation, the old card can no longer be used. It is best to cut the magnetic stripe of the old card. Finally, I have to note that the credit card (debit card) will be cancelled voluntarily after it expires, but only the card will be cancelled automatically, which means that the card will be automatically unusable, but the account you applied for in the bank is still there. If you want to cancel it, you need to apply for it yourself.

Protecting all information of credit card (debit card) is the safest way to use the card. It is best not to disclose the relevant information of the card in the process of using the credit card (debit card) to ensure the safety of your property. At the same time, although credit card (debit card) can make you happy in sales, you should also spend rationally, repay on time and don't be overdue!

how to check the validity period of a credit card?

Bank of China credit card expiration date inquiry method: You can inquire the expiration date of the credit card through the four digits on the front or back of the card, with the first two digits representing "month" and the last two digits representing "year".

as the card expiration date is important information for online payment, you need to keep it properly. In view of the frequent network and brush theft incidents, in order to ensure the security of your account, the customer service channel is temporarily unable to query the expiration date information for you.

the above contents are for your reference. please refer to the actual business regulations.

how to look at the validity period of a credit card

The validity period of the credit card is printed below, and the VALIDTHRU is the expiration date of the credit card, that is, the validity period of the credit card. Date format is month/year. For example, VALIDTHRU12/1 means that the credit card is valid in December 21.

The validity period of credit cards in China is generally 3-5 years. You can see the validity period on your credit card. Then when the credit card expires, the use of the credit card will be restricted and you can't withdraw money or spend freely; 2. The credit card is still valid when it expires, and it can be repaid by credit card; 3. Note: The validity of the credit card does not mean cancellation, and the annual fee may still be charged; After the credit card expires, the cardholder can continue to use or cancel the credit card according to his own situation. If you are going to continue to use it: In foreign countries, the bank will send a new card to the cardholder before the credit card expires. However, due to the fear of mailing problems, domestic banks' practices are mainly divided into two ways. 1. You need to go to the bank to get it in person. For example, ICBC's credit card expires: Peony Card Center will automatically change your card one month before the card expires, and international credit cards, debit cards and credit card replacement cards will automatically deduct the annual fee from the card through the system. You can ask for a new card through the 24-hour service hotline 95588, international card.