Yes, at present, bank cards are divided into savings cards and credit cards, and savings cards are divided into magnetic stripe cards and chip cards. The magnetic stripe card has no service life, but the chip card has a service life, and the validity period is below the card number. The effective date of a credit card is the issue date, and the expiration date, like a chip card, will be displayed on the card for users to check.

After the chip card and credit card expire, the bank will change the card for the user, and the business and funds of the original credit card will be transferred to the new card.

1. What if the bank card expires?

After the bank card expires, the money inside is not affected and is still in the card. After the expiration, investors need to change their cards at the bank counter with the original bank card and a valid second-generation resident ID card. After the card is changed, the bank card can be used normally.

Generally, the term of a savings card is 5-8 years, so it is best for users to change their cards before the bank card expires.

General users can apply for a bank card with the same number as the original card only by carrying the original expired card, but it usually takes several working days for the bank to inform them that they can pick up the card, so they can't take it away immediately. If there is no original bank card, the card number will change after the card is changed, but the money in the card is still on the new card, and the business inside will be undertaken.

Second, what should I pay attention to when changing cards?

1. If you don't continue to use the card, notify the bank in advance.

If you don't decide to use your bank card, you'd better tell the bank in advance, and let the bank stop issuing cards for you. The bank will check whether your card is in arrears, and if not, it will not be issued again. Of course, if the card is in arrears, the bank will let you pay back the money you owe after you apply for not using the card.

2. Update the mailing address in time.

Generally, when applying for a credit card, the default receiving address will be the company address, but many people may change jobs after applying for a card, but they have not changed the sending address, so the new card after the credit card expires will still be sent to the previous address. You'd better change the delivery address to your home address at the bank card official website one month before the card expires, which is safest.

3. Time to get a new card when it expires.

As mentioned above, the bank will generally issue the card to you one month before the validity of the card, but will not inform you. You'd better ask the bank when to issue the card one month before the validity period, and then calculate the card collection time according to the validity period.