3-5 years. If the credit card has not been activated after the expiration date, it will be automatically cancelled. The validity period is usually 3-5 years, and the term is printed on the credit card. Most credit cards will not generate annual fees if they are not activated, but some advanced platinum credit cards and credit cards with special materials will also generate annual fees if they are not activated. Failure to pay the annual fee will lead to overdue and bad credit records. If it is not used, it is best to cancel it.

Extended data:

Credit card annual fee rules refer to some corresponding provisions of credit card annual fee. Before the cardholder activates the credit card, the bank shall not charge an annual fee. But most people know little about the annual fee rules of credit cards in different banks. The annual fee of credit card is mostly around 100 yuan, and some banks stipulate that the annual fee can be waived by swiping it three times a year.

Different types of credit cards launched by the same bank have different annual fee rules. For example, the annual fee of Peony International Credit Card of ICBC is 100 yuan, while the annual fee of Peony 60th Anniversary Credit Card is only in 50 yuan. This is due to the difference in annual fees caused by different card issuers. The issuers of Peony International Credit Card are UnionPay and MasterCard or UnionPay and VISA, and the issuers of Peony 60th Anniversary Credit Card are UnionPay.

Free annual fee rule

Of course, it is not cost-effective to apply for a card without paying, and you have to pay an annual fee. However, different banks have different annual fee-free rules, which makes it easy for cardholders to inadvertently generate annual fees.

Cardholders generally believe that credit card agents are exempt from annual fees in the first year, but not all cards are exempt from annual fees in the second year when their credit cards reach a certain standard. For example, ICBC's credit card does not charge an annual fee in the first year, but it needs to be swiped five times or spend more than 5,000 yuan to avoid the annual fee for that year; According to the regulations of China CITIC Bank, the annual fee for the first year can only be waived if you swipe your card once in the first month after issuing the card.

In the annual fee-free rules of the following year, some banks stipulate that they can be free as long as they swipe their cards for more than three times, such as China Construction Bank [6.20 3.85%] and China Everbright Bank; Some banks require more credit cards. For example, an SDB credit card needs 18 times to be exempted from the annual fee for the following year. Most banks, such as ICBC, Agricultural Bank, Bank of China, Bank of Communications, China Merchants Bank, etc. Free of 5-6 annual fees. In addition, it is particularly noteworthy that the annual fee-free rules of banks are not immutable.