Nowadays, many people are used to spending money by credit card and paying it back on the repayment date, which has realized the demand of "spending first and then repaying". In addition, many credit cards can also enjoy specific discounts, so the audience of credit cards is still very wide. A card friend asked, how many years is the credit card valid? What should I do when it expires? Let's talk about it briefly.

1. How many years is the credit card valid?

Generally speaking, credit cards are valid for 3-5 years. For example, China Merchants Bank, China Guangfa Bank and Industrial and Commercial Bank are valid for 3 years; Bank of Communications and Industrial Bank are five years. CITIC Bank, Minsheng Bank and Agricultural Bank have three years and five years according to the types of credit cards. After getting the card, you can see that there are four numbers at the bottom of the front of the card, separated by diagonal lines, representing the validity period of the credit card.

Second, what should I do when it expires?

If you don't want to use it after the expiration, you can directly call the bank customer service to apply for cancellation. Remember, if you don't use it or cancel it, it may have an impact on the subsequent credit investigation.

If you still want to use it, you can apply to the bank and the cardholder will mail a new card.

Finally, if the cardholder is still hesitant to continue using the card, he can call customer service and keep the card number and rights of the card for a period of time.

The above is about "How many years is the credit card valid? What if it expires? " The answer, I hope to help everyone. Generally speaking, the validity period is about 3-5 years. You can know after you get the card or consult the customer service of the application bank in advance. Whether to cancel or apply for a new card after expiration depends on the needs of users.