1. The validity period of bank credit cards is generally 5 years, and that of individual banks is 10 year.
After the expiration of the validity period of 1., the bank will decide whether to let customers continue to use credit cards according to their past use of credit cards.
2. The validity period of the credit card is expressed in mm /YY. If it is valid on 0916, it will expire on September 20 16.
If you have more detailed information about the opening time of a credit card or still don't know how to inquire about the opening time of a credit card, you can call the bank customer service phone on the back of the credit card to ask carefully or directly ask the customer service for help.
Second, the credit card activation process:
1, credit card calling card opening process:
Call the credit card 24-hour customer service hotline and follow the prompt tone.
After selecting Chinese service by voice, select a credit card and enter the card number, the validity period of the credit card and the three-digit security check code on the back of the card. Select credit card account opening and password setting, and then press the # key to end.
2. Credit card online banking card opening process:
Log in to the bank official website (browser computer: macbookpro mos 14, open google version 92.0.4515.131), click on the homepage of the credit card center, click on the right to open the card and set the password.
Verify the reserved information of credit card application, such as home phone number, ID number, etc.
3. Credit card bank counter card opening process:
Take my ID card and credit card, fill in the application form for special business, and let the staff activate the credit card.
3. The difference between opening a credit card and not opening a credit card is as follows:
1. A credit card that does not open a card is equal to a cancelled card. If opened, it can be used normally and can be overdrawn;
2. If the credit card is not opened after receiving it, the credit card is not activated;
3. Inactive credit cards cannot be overdrawn, used, consumed or paid;
4. Inactive credit cards can be used as debit cards.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.