in the case of China merchants bank credit card, if your card has never been replaced, there will be an application date and an effective date under the card number on the front of the card, which will be displayed in the form of XX (month) /XX (year). As of the end of the effective month, the validity period is generally 5 years, while the UnionPay general card and UnionPay gold card are currently valid for 8 years.