Generally, the useful life of a credit card is between three and five years. During the validity period, the cardholder can use the various functions of the credit card normally. Once the validity period expires, the credit card can only deposit money for repayment, and cannot continue to swipe the card and withdraw cash. If you want to know the validity period of a credit card, you can check the card face. There is an expiration date on the card in the format of "month/year". For example, the card shows 12/25, which means that the card will be expired in December 2025. maturity.

About a month before the credit card is about to expire, the credit card center of the card issuer will ask the user whether they need to mail a new card by phone or text message. Cardholders can change to a new credit card according to bank prompts, and all points and other information will be transferred to the new card together.