1. Credit cards are usually valid for 3 to 5 years. You can see the expiration date on the front of the credit card.

2. If the validity period of the credit card expires, the use of the credit card will be restricted, and you can't withdraw money and spend it at will.

Now, two months before the credit card expires, the bank will automatically handle the card and deliver it by express delivery. There is no need to pay any fees in the process of card replacement, but some banks, such as Shanghai Pudong Development Bank, will re-examine their qualifications and get a new card one month before the expiration, so there is no need to worry about the expiration.