1. Generally, the card face of a credit card will be printed with the expiration date in the form of "month/year", such as 02/23, indicating that the card will expire in February 2023. Users can check the validity period of the card by themselves. If the expiration date has expired, it cannot be activated or used again. If the card is within the validity period, it can be activated.
2. It should be noted that there will be security risks if the credit card is not activated. In order to ensure that the credit card will not be used by others, it is recommended to call the issuing bank to report the loss as soon as the credit card is found. If the credit card is frozen, others cannot use it, so as to ensure that there will be no problems with the credit card.
First, when keeping the card, we should pay attention to the following points:
1) Don't lend your card to others;
2) Don't put the card with magnetic or sharp objects to avoid damaging the credit card;
3) When applying to the bank for card replacement, the magnetic stripe of the old card should be cut off and destroyed in time;
4) Call the 24-hour service hotline to report the loss immediately after the card is lost;
5) Please store the card and ID card separately.
If the card is not overdrawn, you can apply for account cancellation at any time.
1. If the card has not expired, you need to apply first, and then go to the bank to cancel the account after a certain period of time; If the card has expired and the account balance is zero, you can directly cancel the account at the designated bank outlet. When closing the account, you should bring your valid ID card and the original card. If it's not convenient for me to close the account, someone else can help you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.
2. If your card has not expired when you cancel your credit card account, some banks stipulate that you need to go to the designated outlets for card collection business, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days). This is mainly because if the cardholder has done a manual card pressing transaction before closing the account, the cardholder will have closed the account before the merchant submits the card pressing form to the bank for entry, and the bank will not be able to liquidate normally; On the other hand, if the cardholder is in consumption abroad or withdraws cash, it may take several days to settle the account. If the account is closed immediately, it will also affect the normal liquidation of the bank.