Hello, the validity period of a credit card is usually three to five years, counting from the date of issuance of the credit card. The expiration date of a credit card is clearly marked on the front of your credit card. The validity period of a credit card is generally below the credit card number, and the standard format is one month before and one day after. For example, if the credit card shows 08/ 16, it means that your credit card is valid for August 20 16. Once the validity period expires, the credit card can only save money for repayment, and cannot continue to withdraw cash by swiping the card.

1. Is it necessary to review the card replacement after the credit card expires?

When the credit card expires, the bank will directly issue a new card to the user, and there is no further review during this period. Unless the user's old card expires and the user wants to change another credit card, then the credit card application must be re-submitted, which requires the bank to re-examine. Therefore, when the old card expires, the user only needs to wait for the new card to be issued.

Users don't need a new card, they can contact the bank actively before issuing it, and cancel the old card before it expires.

2. What should I do if my credit card is overdue and I still owe money?

1. If the credit card is not paid off due, the cardholder should not worry too much. Generally, one or two months before the validity of the card, the issuing bank will take the initiative to contact the customer and ask whether to renew the card.

After the customer agrees to get a new card and confirms the delivery address, the bank will mail the new card to the customer. Usually, when the card expires, the customer has already received the new card, and then he only needs to return the money to the new card within the prescribed repayment period.

2. The credit limit of the old card, all bills in arrears, overpayments and points will be directly transferred to the new card.

If the customer can't pay off in full, he can also apply for bill installment or minimum repayment amount. As for the old card, you don't need to send it back to the bank, just cut off the magnetic stripe/chip and throw it away.

Of course, if the customer doesn't want to use the credit card any more, he can pay off the bill in advance before the credit card expires, and then apply for cancellation.

3. Customers should also note that not all customers can renew their cards. Generally, customers with good card use records can renew their cards. For example, customers who are often overdue may not renew their cards after bank evaluation. In this regard, customers need to pay off the bill in time before the card expires.