The validity period of PUFA credit card is generally marked on the front of the credit card, and the specific position is directly below the credit card number. The format of the label is month/year. For example, "10/ 19" means that the credit card will expire on 20 19 10. After the validity period of the credit card expires, the bank will make a judgment according to the customer's use of the credit card to decide whether to continue issuing the card.

The main features of credit cards are: no cash deposit in advance, consumption before repayment, interest-free repayment period, installment repayment (with minimum repayment amount), and increased the global use of international credit card organizations such as VISA, Master Card and JCB. It is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range. It has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers. It is a high-tech product integrating financial business and computer technology. Can reduce the use of cash currency. It can provide settlement services, facilitate shopping and consumption, and enhance the sense of security. It can simplify the collection procedure and save social labor. It can promote commodity sales and stimulate social demand.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. Each unit can get a main card and multiple cards (5- 10) when applying for a credit card, and so can the supplementary cards. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee. The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.