The validity period of the CITIC Bank credit card is incorrect

If you operate the credit card correctly and fail to activate the credit card, the reasons are as follows:

(1) The information verification does not meet the requirements. If the basic information you provided when applying for a credit card has changed, it will naturally not be consistent with the previous information during activation. It is recommended to call the bank to explain the situation and make changes.

(2) The credit card has expired. If your credit card is issued and not used for a long time, the card will be useless after the expiration date, and you must replace it with a new card material to activate it.

(3) Not eligible for online activation. Some bank credit cards stipulate that online application for a new card must be activated at a bank outlet and cannot be activated online.

(4) The credit card is genuine or fake. If you apply for a credit card through a street salesperson or informal channels, you must first verify the authenticity of your card. Generally, if the information is invalid after calling the phone to verify the information, it proves that the card may be fake.

Operation method: You must activate the CITIC credit card first. Generally, there are the following methods:

(1) Call the 24-hour customer service hotline shown on the back of the credit card and select the appropriate language. , follow the voice prompts to activate.

(2) Log in to online banking and follow the prompts to activate.

(3) Branch staff will assist with activation. If you follow the prompts and the activation fails, it may be because your credit card is processed online. Generally, credit cards processed online take seven working days to be activated. Wait patiently for the time before activating. For different reasons, adopt corresponding solutions. If you still cannot activate your credit card after using the above methods, bring your ID card and credit card to the nearest card-issuing bank branch for help.

Operating environment:

Brand model: iPhone13

System version: ios15.4

App version: v13.6

On the front of the credit card, below is the validity period of the credit card. The display format is /, with the month in front and the year behind. For example: 08/21, it means that the card is valid until August 2021. When inputting, generally please enter 21 first and then 08. This order is fine.

Why does the bank card prompt that the validity period is wrong?

When the bank card prompts that the validity period is incorrect, it is usually because the card you are using has an expiration date, and you entered the validity period incorrectly when filling in the information, or The validity period has expired.

Cards issued by banks: debit cards, credit cards, savings cards, no matter what kind of bank card, there will be a certain validity period. There will be numbers printed on the card, such as the number 05/20, which refers to the usage period of the bank card.

For the format interpretation of bank card validity period, the month is usually first and the year is last:

For example, 05/20 can be understood as the bank card validity period expires in May 2020. ;

For example, 08/19 can be understood as the validity period of the bank card expires in August 2019.

Because credit cards have credit limits issued by banks, their validity periods are shorter than those of savings cards and debit cards. The validity period of a credit card is usually 3-5 years, and some card types may reach 8 years.

Debit cards and savings cards will last about 10 years, and some savings cards even have no expiry date.

Extended concepts:

Why do banks set expiration dates?

The first reason: to protect the account security of cardholders

In reality, many people cannot keep their bank cards very carefully. If they are left idle for a long time or without their knowledge, If the card is lost or stolen, the cardholder himself is not aware of the problem and is likely to face direct economic losses.

Especially for credit cards, the card itself has a credit limit issued by the bank. If it is stolen or used illegally by lawless people, and the cardholder fails to report the loss in time or leaves it alone, it will happen. No one can predict what huge consequences it will be!

Therefore, the validity period is an effective way to ensure the security of the cardholder's account and can reduce or avoid certain risks as much as possible.

The second reason: to ensure the normal use of cardholders

Whether it is shopping or traveling, bank cards play an indispensable and important role in life. As a payment medium, long-term use will naturally bring about certain wear and tear.

For example, I believe many people have heard the term "degaussing". In this case, it cannot be used normally and needs to be updated. Nowadays, many bank cards have been upgraded from magnetic stripes to chips. In order to ensure normal use, setting a validity period allows cardholders to upgrade regularly to avoid inconvenience.

The third reason: Evaluate the financial status of cardholders

This is mainly for credit card holders. After all, everyone’s economic life has different changes, and they may be successful in their career. , or may be heavily in debt. For banks, this period is an important time to evaluate the cardholder's financial situation to decide whether to continue to upgrade and issue bank cards, or directly reject the cardholder's card use needs.

“Nine times out of ten, life will be unsatisfactory.” No one can be sure that it will always be calm and without ups and downs.

If you really encounter the problem of bank card expiration in life, don’t worry, there are two direct and effective solutions:

The first method: bring your own With a valid ID card, go to the local bank branch to upgrade and update; the second method: directly call the bank where the bank card is located and make corresponding requests to the bank's customer service, who will assist in quickly completing the upgrade. In summary, banks set the validity period of bank cards not only to protect the bank’s economic rights and interests, but also to ensure the safe use of the card by cardholders. Although the validity period of bank cards may seem troublesome on the surface, it can play an important role in real life.

The credit card expiration date is incorrect no matter how you enter it

The credit card expiration date is incorrect no matter how you enter it. It may be because the user entered the expiration date incorrectly. The format of the credit card validity period is MM/YY, MM is the month, and YY is the year, such as 02/20, which means it is valid until February 2020. At this time, the user should enter 0220 according to the validity period format. If 202002 and 2002 are entered, both will be displayed. The validity period is wrong.

Therefore, when users enter the validity period, they must read the requirements clearly. The instructions are filled in according to the credit card validity period format, and the user can fill in the requirements.

The validity period of a credit card is generally three to five years, and the validity period starts from the day the credit card is placed. The validity period of the credit card is clearly marked on the face of your credit card. The validity period of the credit card is generally standard at the bottom of the credit card. The standard format is the month in front and the date in the back. For example, if the credit card shows 08/16, it means that your credit card is valid in August 2016.

If your current credit card is reissued, the validity period will be the same as the original one, but if it is re-applied, the specific date will be on the credit card you currently have.

Advantages

1. Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can be used for ordinary consumption without cash in the card. In many cases Just repay the consumed amount on time.

2. You can use overdrafts without deposits, and you can enjoy an interest-free period of 20-56 days to pay back on time without any interest charges (most banks will charge an interest of 50,000 cents on the day of cash withdrawal. There is also a handling fee of 2. ICBC cash withdrawals are free of handling fees and only charge interest).

3. Swiping your card when shopping is not only safe and convenient, but also provides points for gifts.

4. You can enjoy discounts when using the card at the bank's designated merchants.

5. Accumulate personal credit and add integrity records to your credit file, which will benefit you throughout your life.

6. It is accessible nationwide and you can withdraw money or make purchases by credit card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption. It is best not to withdraw cash. The cash withdrawal fee is very high. Very uneconomical)

7. Spend by swiping your card, collect existing points with some credit cards, and offer a variety of discounts and lucky draws throughout the year, so you can always be surprised as long as you use the card; (most credit cards do not have points for online payment, But online shopping and payment are very convenient and fast)

What should I do if I enter the wrong credit card validity period three times? Will the card be locked?

The validity period of a credit card is an important credential for online payment. Once entered incorrectly, transactions cannot be made. If the number of incorrect entries reaches the upper limit, usually three times, the credit card will be locked and needs to be unlocked for transactions. However, each bank has different regulations on how to unlock the credit card if you enter the validity period incorrectly three times and whether the card will be locked. Let’s find out together below.

What should I do if I enter the wrong credit card validity period three times?

As mentioned earlier, if you enter the wrong validity period of your credit card three times, your card will be locked by the bank. No more transactions will be possible on that day and you must unlock it. The specific method of unlocking depends on the bank's regulations.

Some banks are more lenient about this. If you enter the validity period incorrectly three times, it will be automatically unlocked at 0:00 the next day, while others need to call or bring your ID card and credit card to the branch counter to unlock it.

If you don’t know the specific bank regulations, the most direct way is to call the credit card customer service hotline of the card issuer to consult customer service.

Will the card be locked if I enter the validity period of my credit card incorrectly three times?

However, some netizens said that some bank credit cards will not lock the card if the validity period is entered incorrectly. The card may be locked only in the following situations.

1. When using the card for consumption, if the wrong password is entered more than three times in a row, the card will be temporarily locked for security reasons.

2. When logging into online banking or mobile banking, if you enter the wrong password more than three times in a row, your card will also be temporarily locked.

3. When a large amount or multiple purchases are suddenly made on a credit card in another place, the credit card risk department will temporarily lock the card after discovering it to protect the card from being stolen.

The above is the relevant introduction to "What should I do if I enter the wrong credit card validity period three times? Will the card be locked?" Regardless of whether entering the validity period of a credit card incorrectly three times will lock the card or not, everyone only needs to know that the validity period, CVV2 code, and mobile phone verification code are important credentials for online payment and should not be leaked easily, otherwise the credit card will be easily stolen by others.

That’s it for the introduction to credit card validity period errors.