How to know the issuance date of a bank card

Debit cards usually have the issuance date on the card, so you can check it directly; if there is no date, you can go to the bank counter with the card to check. The card issuance time on the bank card refers to the time when the user opens an account for this card.

User account opening process

1. I bring my ID card and a copy of my ID card and tell the staff that I want to open an account and apply for a bank card.

2. The staff will issue a "Personal Settlement Account Management Agreement", read it, and sign it.

3. Fill out another "Personal Card Application Form" and give it to the bank staff.

4. Then enter the password on the cipher (remember the password).

5. After confirming the password three times, the staff will issue the bank card.

Generally, there is no handling fee for opening a card, but some banks require card production fees and passbook production fees.

After we apply for a bank card, many people will be concerned about its usage period. So, how long is the bank card valid for? Bank cards are mainly divided into two categories: credit cards and debit cards, and the validity periods of credit cards and debit cards are different.

1. Credit card

The validity period of credit cards is determined by the bank, so different banks have different validity periods for their credit cards, and different card types have different validity periods. . However, most credit cards are valid for about 3 to 5 years, and some credit cards can be valid for as long as 8 years.

If you want to know how long your credit card is valid, you can check it directly on the card, because the expiration date of each credit card will be marked on the card.

2. Debit card

Debit cards, like credit cards, also have a validity period, but the validity period of a debit card is generally longer than that of a credit card, which is basically ten years. It looks like about a year, and you can also see the expiry date on your debit card. In addition, some magnetic stripe debit cards may have no expiry date, but now that magnetic stripe cards are no longer issued, it is recommended that you replace them with chip cards.

Where is the validity period of the credit card?

Generally, the validity period of the credit card is below, with the month in front and the date in the back. The general format is: "ValidFromXX/XX" and " ValidThruXX/XX", the front indicates the credit card issuance time, and the latter indicates the credit card expiration time.

If users who cannot read English can look for the "/" symbol on the credit card. There are two dates in one ***. The smaller year is the card issuance date, and the larger year is the validity period. Generally, the credit card validity period is For three to five years. Generally, when making online purchases, you need to fill in the validity period of your credit card. If it expires, you cannot make purchases. Credit cards have expiration dates because they are easily worn out due to frequent use, rendering them unusable.

Everyone’s financial resources are constantly changing. The three-year period allows banks to decide whether to continue to apply for new credit cards based on the cardholder’s card usage; credit cards will also continue to change. Upgrade, some banks may upgrade their credit cards from magnetic stripes to chips to make credit card consumption safer.

After the credit card expires, you will receive a text message reminder from the bank. The premise is that the original reserved mobile phone number is still in use. After receiving the text message, check your credit card and call the bank customer service. Call ahead. After confirming the basic information and delivery address, the reissue of the new card is completed. After receiving the new credit card, it is different and has not been activated. Before the new card is activated, the old card can be used.

Before activating, you should pay attention to the points of the old card. Although some banks can transfer the points of the old card to the new card, some will be deducted. Generally speaking, if the old card expires, the bank will automatically mail a new card after reviewing the user's credit status. After receiving the new card, the old card must be destroyed in time. If it is discarded casually and criminals pick it up, personal information may be stolen.

If you don't want to use your credit card after it expires, you can cancel it in time so that the bank will not automatically mail a new card.

Credit cards are one of the payment tools we often use, and credit cards generally have an expiration date, but different cards have different expiration dates.

It is actually very easy to check the expiration date of your credit card. Because the card face of each credit card will directly indicate the expiration date of that card. So if you want to check the expiry date of your credit card, just pull out the card and find the date marked on the card.

The credit card expiration date is usually marked below and is easy to find. The usual format is: "ValidThru××/××". In other words, if your credit card is marked with "ValidThru06/20", it means that your card will expire in June 2020.

Of course, some credit cards will not only mark the expiration date of the validity period, but also the start time of the validity period. The format is "ValidFrom××/××, ValidThru××/××". In other words, if your credit card is marked with: "ValidFrom06/15, ValidThru06/20", it means that the validity period of your card is from June 2015 to June 2020.

How to read the date of a credit card

The valid period of use of the credit card will be printed on the card certificate of the credit card. Some formats are ValidFromxx/xx, ValidThruxx/xx, indicating the validity period of the credit card. Date; some formats are directly xx/xx, which means that the credit card is valid before xx month of xx year. (In all xx/xx date formats, the front represents the month and the back represents the year. For example, 12/21 represents December 2021) .

Credit cards issued by banks have a validity period, which is usually 3-5 years. On the one hand, from a physical point of view, credit cards, as payment media, are used frequently and will become damaged after long-term use. There is wear and tear;

On the other hand, since the financial situation of credit card holders is constantly changing, after the credit card expires in three years, the bank can decide whether to continue to issue cards based on the cardholder’s use of the card. In addition, The validity period of a credit card can also enable banks to avoid risks such as cardholders forgetting to report the loss after losing their credit card, long-term malicious overdrafts, and fraudulent use of the credit card after death.

Reasons for setting the validity period

1 .From a physical point of view, credit cards, as payment media, are used frequently and will wear out after long-term use. I believe many cardholders have encountered warped cards. Therefore, regular replacement is necessary;

2. Theoretically, the economic situation of the cardholder is constantly changing. After the credit card expires in three years, the bank can decide whether to continue to issue the card based on the cardholder’s use of the card;

3. Reduce or avoid risks: the cardholder forgets to report the loss after losing the credit card; the cardholder has maliciously overdrafted for a long time; the credit card is used fraudulently after the cardholder passes away, etc.

If the credit card expires, the cardholder does not want to What should I do if I continue to use it? The method is very simple. Just call the credit card center of the card issuer one month before the expiration date and tell them not to issue the card.

Reference: Credit card date noun definition - Baidu Encyclopedia

How to check the application date of a credit card

How to check the application date of a credit card:

1. Online banking query:

1. Open the browser (Computer: macbookpromos14 opens Google version 92.0.4515.131) Search the online banking name of the credit card you applied for and register and log in to the bank's credit card online banking.

2. Click to enter the application date query

3. Enter the user code, home phone number filled in during application and 6-digit user password to get the credit card application date result

2. Customer service telephone inquiry:

For customer service telephone inquiry, please dial: 95508

Operation process:

1. Press "1" for Chinese service - press " 4" Application date - enter the "#" number of the certificate number when applying.

2. Press "2" English Service - Press "4" Application Progress Date - Enter the "#" number of the certificate number when applying.

Extended information

How to check the bank card account opening date:

1. Open the browser (PC: macbookpromos14, open Google version 92.0.4515.131) and search for your application The online banking name of your credit card:

2. Click "Personal Banking Login" and enter your account and online banking password;

3. Enter the online banking page after login.

4. Select bank card service:

5. Click for more:

6. Query the account opening date:

How to check the card opening time

How to check the bank card opening time:

1. Look directly at the front of the UnionPay card. There is a card issuance date printed on the protective film. The format is as follows: mm/yy, mm represents the month, yy represents the year. Only the year and month are displayed here, not the day;

2. Contact the bank customer service to solve any card-related problems, so if you want to check the account opening and card issuance time, you can also call 98 directly Query. However, customer service may ask you to provide some account opening information to ensure that you are the cardholder.

How to check the opening time of a credit card

You can only check the opening time of a credit card by calling the customer service hotline on the back of the credit card - manual service inquiry. The date on the card is the validity period of the credit card.

1. The validity period of bank credit cards is generally 5 years and 10 years for some banks;

2. After the validity period expires, the bank will decide whether to allow the customer to continue using the credit card based on the customer's past use of the credit card. Credit card;

3. The validity period of the credit card is expressed in MM/YY. For example, if it is valid on 09/16, it will expire in September 2016; MM represents the month and YY represents the year.

Where to see the credit card date

The credit card validity period is generally marked on the card, in the format of "month/year", for example, "09/22" means that the credit card is valid until 2022 In September of this year, cardholders need to change their credit cards before this date. The validity period of a credit card is generally 3 to 5 years. Credit cards issued by different banks have different validity periods. Generally, the bank will remind you to change the card before expiration.

Credit cards, also called credit cards, are issued by commercial banks or credit card companies. A credit certificate issued to credit-qualified consumers. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card.

This type of card can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards.

Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card.

Gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

This is the end of the introduction on where to check the credit card issuance month and how to check the credit card issuing bank. Have you found the information you need?