What should I do if my Everbright Bank credit card expires

No matter what grade of credit card it is, the validity period is 3 years. The bank will send card replacement notification text messages or emails to cardholders one month in advance. If the cardholder no longer wants to use the credit card, he or she can cancel the sending of the new card by following the instructions in the text messages or emails.

Credit cards cannot be automatically canceled. Once the credit card expires and the cardholder does not want to continue using it, he or she needs to bring his or her ID and card to the credit card center of the bank where the account is opened to handle cancellation.

Otherwise, the annual fee will be automatically deducted each year. If you have used a credit card for telephone banking or online banking, you must first cancel the telephone banking or online banking before you can cancel the card account.

Extended information:

1. The validity period of the credit card

The cardholder’s name and validity period are printed on the front of the credit card, as shown below:

2. There are several reasons for setting the validity period of credit cards:

(1) Change the latest card

The bank ensures that your card is the most advanced by letting you change the card , both in terms of functionality and security, such as replacing magnetic stripe cards with chip cards.

(2) Prevent credit card fraud

When a cardholder uses a credit card, the merchant and the card issuer need to verify that your credit card is active and valid. This verification is achieved in two steps by swiping the card at the POS and then authorizing it in real time. It's easier to get a credit card than to get an expiry date, and cards without a valid expiration date will be declined for consumption.

(3) One more step of identity verification

When making credit card purchases online or over the phone, the validity period is another verification method in addition to name, security code, and password.

3. Take stock of the validity period of each bank’s credit card:

ICBC: 3 years

Bank of China: 3 years

Agricultural Bank of China : 3 years, 5 years, 8 years (depending on the card type)

China Construction Bank: 5 years for magnetic stripe card, 8 years for chip card

Bank of Communications: 5 years

China Merchants Bank: 3 years

Guangfa Bank: 3 years

CITIC Bank: 3 years to 5 years (depending on the card type)

Industrial Bank Bank: 5 years

Minsheng Bank: 3 years to 5 years (depending on the card type)

Citibank: 3 years

4. Replacement of credit card upon expiration Card Notes

1. Activate the new card promptly

The old card can still be used after the credit card expires and the card is renewed successfully. The old card will become invalid after the credit card expires or the new card is activated. . Therefore, be sure to activate new cards promptly. Cardholders can choose to activate their credit cards through various methods such as phone activation, official website activation, and online banking activation.

2. Old cards must be cut off in time

Old cards may still be stolen and swiped. During the insurance period, old cards need to be cut off in time after the new card is activated.

5. Replace the China Merchants Bank credit card when it expires

1. The validity period of the China Merchants Bank credit card is three years. About one month before it is about to expire, China Merchants Bank will send you a text message Or send an email to remind the cardholder about changing the credit card, and ask the cardholder to confirm the receiving address.

2. After the receiving address is confirmed, China Merchants Bank will take the initiative to send the credit card you want by registered mail. At the same time, the China Merchants Bank Credit Card Center will send a text message to inform you of the code of the registered letter. Cardholders can check the status of the letter on the official postal website.

China Everbright Bank Official Website - Help Center

Baidu Encyclopedia - Validity Period

Where to check the validity period of Everbright Credit Card

The validity period of Everbright Credit Card On the front of the credit card, the validity period is displayed in the format MM/YY, with the month in front and the year behind. For example, if the validity period is 04/20, it means that the card will expire in April 2020.

If the card is not with you, you can call the Everbright Bank customer service hotline to find out how long the credit card in your name is valid.

Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash flow to a certain extent; credit card has both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards.

Credit card limit, also known as credit card available limit, refers to the maximum amount that can be used by your credit card. It includes credit limit (that is, the maximum overdraft limit of a credit card) and the amount deposited into the credit card. .

The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained. Therefore, applicants must provide proof of income, provident fund social security, and asset guarantee statements. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.

Although banks emphasize the interest-free period when popularizing credit cards, most people do not understand the rules of the interest-free period very clearly, and thus spend a lot of money. Maybe this is nothing in real life, but banks don't think so. If consumers don't repay in full, they must pay interest and do not enjoy the interest-free period (daily interest = interest rate on the remaining outstanding amount of the day). It is recommended that everyone repay the loan in full to avoid greater losses.

Every credit card has a hidden over-limit limit. When you max out your credit card, it is easy to use the over-limit limit. Once you use the over-limit limit, it means you have to pay a high amount. over-limit fee. Many consumers are not able to grasp the purchase process well and often max out their credit cards. It is recommended that you apply to the bank in advance to increase the temporary limit. This will not only avoid maxing out your credit card, but also increase your credit limit.

In daily life, we often encounter situations where things don’t work. At this time, we can choose to pay the minimum repayment limit, so as to ensure that our personal credit record will not be affected, and at the same time, we will not incur too many late fees. However, special attention should be paid to the fact that the minimum repayment amount must be paid in full, otherwise you will encounter high late payment fees.

How many years is the Everbright Bank credit card valid for? How to deal with it when it expires?

China Everbright Bank is one of the banks that people like very much. Many people have applied for China Everbright Bank’s credit cards and will use China Everbright Bank’s credit cards for consumption in their daily lives. Friends who have credit cards know that there is a time limit for using a credit card. So, how many years is the validity period of Everbright Bank credit card? How to deal with it when it expires?

How many years is the validity period of Everbright Bank credit card?

The validity period of Everbright Bank credit cards is basically three years, but there are also some card types that are valid for five years. The validity period will be calculated from the day the card is approved, so everyone All China Everbright Bank credit cards have different validity periods. However, the validity period is marked on the credit card. The number displayed in the "XX/XX" format on the credit card is the number of years of use of your credit card.

How should I deal with the expiration of my Everbright Bank credit card?

Banks will generally notify customers before the credit card expires, so if you want to continue to use it, just confirm your mailing address, because if your mailing address changes, inform the bank. So I can send you a card.

So when a credit card expires, you don’t need to go through any procedures. The bank will send a new card to the customer. You only need to activate it, then cut it off and throw it away. However, if you have not received a new card after the expiration date, you should contact the bank in time.

The validity period of Everbright Bank credit cards is generally three years. After three years, the bank will notify you in advance. If you want to continue using it, just inform the bank of your current address and the bank will send you the card. .

What does the validity period of Everbright Bank’s credit card mean?

The credit card validity period refers to the expiration date of this credit card.

The validity period of a credit card is usually expressed in "month/year". For example: "12/18" means the validity period is until December 31, 2018.

Usually the validity period of credit cards is three years, but there are also five years.

Exceeding the expiration date means that the card can no longer be used, and the validity period of the credit card cannot be changed.

Front: Name and logo of the card issuing bank, credit card number (organization logo) and holographic anti-counterfeiting mark, English or Pinyin name, activation date (generally calculated to the month), validity date (generally calculated to the month), The newly issued cards are equipped with a chip on the front, and the chip account and the card's magnetic stripe account are two relatively independent accounts.

Extended information:

Banks issue credit cards with shorter validity periods mainly for risk control. The financial situation of cardholders is constantly changing. After the card expires, the bank can decide whether to continue to issue cards based on the cardholder's use of the card. If a cardholder maliciously overdrafts, it will lead to the formation of "bad debts", which will in turn damage the bank's interests. However, by setting a "validity period", the occurrence of these bad debts can be reduced in time and the bank's profit losses can be reduced.

When your credit card expires, you must first confirm whether you will still use the credit card. If you continue to use it, you can contact the bank customer to confirm. When the card does not appear to be frozen or other abnormal conditions, the bank will generally send a new card to the cardholder. The new card, functions, limit, etc. are the same as the original card, but the validity period is different. changed. The new card received must be opened before it can be used.

Baidu Encyclopedia-Credit Card

How to renew the Everbright Bank credit card when it expires?

The expired Everbright credit card will be automatically renewed. The bank will mail you a new credit card. Once you receive it, you can activate it and use it. Don’t forget to cut off the old card to avoid information leakage caused by loss. If your inactive credit card expires, the card will be invalidated directly and cannot be replaced.

If the cardholder does not want to exchange for a new card when it expires, he should notify the card issuer in the method designated by the card issuer at least one month before the card expires. Otherwise, Everbright Bank will regard the cardholder (card holder) as voluntarily replacing the card with a new one upon expiration. When replacing a new card, the cardholder must pay off all debts under the credit card.

Extended information:

The validity period of Everbright Bank credit card can be viewed on the front of the credit card, usually marked in the form of "xx/xx". For example, 09/19 means that the expiration date of this card is September 2019.

The validity period of Everbright Bank credit cards is divided into 3 years and 5 years. Generally, after the validity period of the card expires, it cannot continue to be used. It is recommended that cardholders pay attention to the validity period of their credit cards in a timely manner and try to change their cards to a new one at an Everbright Bank outlet before expiration.

China Everbright Bank - Credit Card Application Agreement

What does China Everbright Bank’s validity period 12/22 mean?

China Everbright Bank’s validity period 12/22 means, 22 stands for 2022, 12 stands for December, and is valid until December 2022.

The validity period of Everbright Bank credit cards:

The validity periods of Everbright Bank credit cards are not uniform. They generally range from 3 years to 5 years. Cardholders can see this on the front of their cards. Credit card expiration date.

Note: The reason why banks set the validity period of credit cards is not only to reduce the waste of empty cards, but also because cardholders use credit cards for a long time to swipe their cards for consumption, which will cause wear and tear of the magnetic strip.

Check the validity period of Everbright Bank credit card:

The validity period of Everbright Bank credit card is indicated on the front of the card, located below the 16-digit credit card, and consists of 4 numbers. The first two digits represent the month, and the last two digits represent the year. For example: 04/19, which means that the credit card is valid until April 2019.

Replacement of Everbright Bank credit card upon expiration:

China Everbright Bank will call the cardholder about one month before the credit card expires and ask the cardholder whether he or she needs to continue mailing. When using a new card, after obtaining the cardholder's consent and verifying the delivery address, the bank will mail the new card to the designated address.

When cardholders receive a call to replace their card due to expiration, if their usual address has changed from when they applied for the card, they must update their delivery address in a timely manner to avoid the new card being "lost".

If you do not want to exchange for a new card when it expires, you need to notify the bank one month before the card expires, otherwise the bank will continue to send you a new card and charge annual fees and card production fees.

Note: If the cardholder is unwilling to exchange for a new card when it expires, he needs to pay off all credit card debts.

The expiration date of Everbright Bank credit card is not applicable to:

1. Everbright credit cards that have not been activated as of two months before the expiry date of Everbright Bank credit card cannot participate. Expired card replacement activity.

2. As of the two months before the expiration date of the Everbright Bank credit card, there are no credit card users who have used the Everbright Credit Card for transactions for one year (including one year).

Expired replacement fee for Everbright Bank credit card:

The new Everbright Bank credit card replacement fee is generally 20 yuan (free for unlimited card, diamond card, and platinum card).

The charging standards for some special cards are subject to bank regulations. For example, the production fee for DIY cards is 50 yuan; the production fee for Marie Claire perfume cards is 15 yuan.

If you request expedited shipping, you will also need to pay an expedited shipping fee of 20 yuan (free for unlimited cards, diamond cards, and platinum cards).

Notes on the validity period of Everbright Bank credit card:

1. After the expiration of Everbright Credit Card, if you do not replace it and operate it at an ATM machine, the card may be swallowed.

2. After the Everbright Credit Card expires, although the card becomes invalid, the magnetic stripe on the card still records the cardholder’s personal information. It is recommended that you cut it with scissors to avoid information leakage.

3. The new card will remain consistent with the original card in terms of limit, functions, points and other account information.

That’s it for the introduction to checking the validity period of Everbright credit card.