When a credit card expires and is replaced with a new card, it needs to be reactivated. The common activation channels of major banks are as follows: 1. Bring your ID card and credit card to the branch counter of the card-issuing bank for activation. 2. Activate online by calling the service hotline of the card-issuing bank. During the activation process, you need to send text messages for identity verification. You need to ensure that the reserved mobile phone number can receive text messages normally.

What should cardholders pay attention to after their credit card expires:

1. Contact the card-issuing bank one month in advance

Contact the card-issuing bank one month in advance. Request a new card, otherwise the card cannot be used after expiration. It also takes time for the bank to produce and send new cards, so it is best to replace them in advance.

2. Activate the new card in a timely manner

The old card can still be used after the credit card expires and is successfully renewed. 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.

3. Old cards must be cut off in time

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

How long is the validity period usually?

The validity period of a credit card is usually under the credit card number. It is usually represented by a number like "xx/xx" + "/". The front indicates the month, and the following is years. For example, if the validity period on your credit card is 09/18, it means that the credit card is valid until September 2018, and the card cannot be used after September.

Why do we need to set the validity period

Some people say that it is enough to set the validity period permanently. Why do we need to change the card? It is so troublesome!

In fact, on the contrary, the reason why the card is set with an expiration date is for security reasons.

First, cards will wear out

Every card has a lifespan. After a certain amount of wear and tear, it will become more or less damaged, so after a period of time After that, you need to replace the card with a new one to ensure that you can use the card normally.

Second, functions need to be updated

In order to provide cardholders with better experience and services, card functions will also be constantly updated, such as from magnetic stripe cards to chip cards. The update has greatly improved the security performance, greatly reducing the possibility of credit card fraud.

Third, risk assessment

In addition to the card itself, banks also need to re-assess the risk of cardholders. The financial resources and work of cardholders will continue to change. In order to reduce risks, banks need to evaluate cardholders.

Fourth, reduce risks

For cards that have been idle or lost for a long time, the longer the validity period, the greater the chance of fraud and the higher the risk.

Fifth, add protection

In addition to the above, setting the validity period also has the function of adding a layer of protection. Because when we pay online, we sometimes need to enter sensitive information such as the expiration date and the last three digits. An additional verification is also more secure.