China merchants bank credit card, the credit card is generally valid for 5 years, and it can be used within the validity period. If it is not opened, it will not be automatically invalidated. If the card is not opened, no new card will be issued after the card expires, and a new application can be made if necessary. If the credit card is not activated, it will not be invalidated automatically until the validity period of the credit card expires. Credit cards issued by banks are generally valid for 3-5 years, and special cards are valid for 8 years. If credit cards are not activated, it means that it will take 3-5 years or 8 years to become invalid. But if it needs to be used, it must be activated before it can be used normally.
under normal circumstances, a credit card has an expiration date on it. among the card numbers on the front of the credit card, there are four numbers separated by/,with the front representing the month and the back representing the year, which means that the card will be invalid by this month of the year. If you don't want to use the credit card after receiving it, it's best to cancel it, because it will become a sleeping card if it is left idle for a long time, and the hidden danger of the sleeping card is very big. Once it is activated by others, it can be easily stolen and swiped, which is very troublesome.
there are three ways to activate a credit card, one is online activation, the other is telephone activation, and the other is bank outlet activation. If you apply for a credit card by online application, you must go to the bank outlet when you activate the card. If it was not an online application before, there would be more options.
1. Most credit cards meet the condition of "annual fee can be waived if swiped several times a year". However, for some high-end platinum credit cards, the high annual fee can't be waived sometimes because the cardholders are entitled to special treatment, or they need more points to be exempted.
2. For example, the classic version of China Merchants Bank Platinum Credit Card has an annual fee of 3,6 yuan, which can only be redeemed through 1, points (or accumulated consumption of 8, yuan). In addition, due to the common phenomenon of "not opening the card when handling the card", we really need to pay attention to some special card types that still need to pay the annual fee and production cost even if they are not activated. For example, the standard version and elite version of Industrial Bank Cheyou Credit Card Platinum Card, once issued, will charge an annual fee of thousands of yuan if they are not activated.