Card issuing time can only be consulted by calling the credit card customer service hotline. The card face of the credit card clearly indicates the validity period of the credit card. Generally, the validity period of a credit card is below the credit card++,and the standard format is one month before and one day after. For example, 09/ 1 1 means that your credit card is valid for September 2065438 +0 1.

Process for processing credit cards:

1. application

In most cases, citizens with direct civil capacity (18-year-old Chinese mainland citizens) and citizens with certain direct financial resources can apply for credit cards from the issuing bank. Sometimes, legal persons can also act as applicants.

Step 2 review

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's reputation. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit rating of the applicant, and auditing the relevant information of the personal guarantor.

Issue cards

After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for settlement after shopping, consumption and withdrawal.

Open the card

Since the credit card is mailed after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect the applicant and the bank from fraud losses, a card opening procedure was set up before the credit card was officially opened. Card opening is mainly to check the relevant personal information provided by telephone or online application, and complete the card opening procedures after meeting the requirements.

At this point, the applicant becomes the cardholder and can officially start using the card after signing on the back of the card. After opening a credit card, it is generally necessary to set a password for the card at the same time. After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.

First of all, the credit card is not the private property of the cardholder, but is "borrowed" by the cardholder with "credit" as the guarantee. Only when the card issuer judges that "this person can grant credit" according to these conditions (specifically, he has the ability to repay) can the card be issued. Secondly, it is necessary to clarify the significance of signing the bill.

Signing is to admit that "the loan I bought today must be paid off, and now I will take what I bought first", which means that I absolutely keep my promise. The credit card system is introduced from Europe and America, and it has the concept of contract. Signing a contract is to recognize the terms of the contract.

Is the credit card repayment date from the card opening date or from the withdrawal date?

The due date of credit card repayment refers to the latest date when the credit card issuing bank requires the cardholder to repay the payable amount. It has nothing to do with card opening date, withdrawal date and consumption occurrence date. In fact, the due repayment date is the last day of the interest-free repayment period. Before this, the repayment is interest-free, and interest and late fees will be charged if it is overdue. The due repayment date is also called the final repayment date. If the repayment is not made in full before the due date and the minimum repayment amount of the credit card is not selected, you may face the following penalties: 1. All consumption funds will no longer enjoy interest-free repayment, and the bank will calculate interest on a daily basis with the consumption amount as the principal from the date of consumption, with a daily interest rate of five ten thousandths and compound interest on a monthly basis; 2. Receive phone calls and letters from banks; 3. Freeze the account, and feed back the record of arrears to the People's Bank of China and record it in the credit file, which will affect personal credit; If you really don't have enough money to repay in full on the due date, please choose the minimum repayment amount of the credit card. If you repay in this way, you only need to return 10% of the total cost each time. Although there is no interest-free repayment period, it can avoid personal credit damage.

Introduction of annual fee cycle and deduction time of credit cards in major banks

The annual fee cycle of bank credit card is mostly calculated by the time of opening or verifying the card, which is not fixed. Therefore, cardholders need to keep this critical point in mind. Here is an introduction to the annual fee cycle and deduction time of credit cards in major banks. If you don't want to affect your credit information because the annual fee is overdue, you must read it.

China Industrial and Commercial Bank, China Bank, Bank of Communications, China Guangfa Bank, Ping An Bank, Minsheng Bank and China Everbright Bank:

The number of card swipes will be settled on the card opening day, and the annual fee will be charged on the corresponding day on the card opening day of the following year. For example, the opening date of ICBC credit card 20 18 is 201818, then, from 201818 to 2018.

The annual fee cycle of CITIC Credit Card is based on the card opening date, and the annual fee deduction time is delayed to 60 days after the card opening date.

China Construction Bank:

The annual fee cycle of CCB credit card is based on the issuing time. If the card does not meet the bank's annual fee waiver requirements, it will be recorded on the first billing day of the card year and repaid on the repayment date. If the billing date of the credit card is 22nd of each month, the annual fee from February 20 17 to February 20 18 will be debited and credited on February 22, 20 17, and the repayment will be due.

China Merchants Bank:

Calculate the annual fee cycle according to the card issuing date. For example, if the card issuing date is 165438+ 10/,it will be from 1 65438+1 0/0/0/to 65438+ 10/3/in the following year.

How to inquire about the opening date of CCB credit card?

Call the customer service hotline.

First of all, how to check the card opening time of a credit card: You can only check the card opening time by calling the customer service hotline, and the date on the card is the validity period of the credit card. The validity period of bank credit cards is generally 5 years, and individual banks are 10 years. After the expiration of the validity period, the bank will decide whether to let customers continue to use credit cards according to their past use of credit cards.

How to inquire about the opening time of China Bank's credit card?

You can call China Bank Credit Card Customer Service Hotline 4006695566 to inquire about the opening date of China Bank Credit Card.

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

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

This concludes the introduction of the relationship between credit card opening date and credit card opening date and repayment date. I wonder if you found the information you need from it?