How to check the validity period of a credit card

You can find out by simply taking out the card and finding the date marked on the card.

The credit card expiration date is usually marked below and is easy to find. The usual format is: "ValidThru××/××".

In other words, if your credit card is marked with "ValidThru06/20", it means that your card will expire in June 2020.

Of course, some credit cards will not only mark the expiration date of the validity period, but also the start time of the validity period. The format is "ValidFrom××/××, ValidThru××/××".

In other words, if your credit card is marked with: "ValidFrom06/15, ValidThru06/20", it means that the validity period of your card is from June 2015 to 2020 of June.

In other words, if your credit card is marked with: "ValidFrom06/15, ValidThru06/20", it means that the validity period of your card is from June 2015 to 2020 of June.

How to check the validity period of a credit card?

How to check the validity period of Bank of China credit card: You can check the validity period of your credit card through the 4-digit number on the front or back of the card. The first two digits represent the "month" and the last two digits represent the "year".

Because the card validity period is important information for online payment, you need to keep it properly. In view of the current frequent network and fraud incidents, in order to ensure the security of your account, customer service channels are temporarily unable to query the validity period information for you.

The above content is for your reference, please refer to actual business regulations.

How to check the validity period of a credit card?

The validity period of UnionPay credit cards and UnionPay gold credit cards newly issued by China Merchants Bank after September 10, 2018 will be increased to eight years. The validity period of other types of credit cards will not be changed for the time being and will still be valid for five years;

The credit card validity period is displayed below the 16 digits of the credit card. Some cards only display the expiration time, and some cards will display the interval between card issuance and expiration;

If the number below is an interval, such as 02 /10-02/15 means the card was issued in February 2010 and will expire at the end of February 2015; if the number below only says 02/15, it means it will expire at the end of February 2015.

Warm Tips:

1. When entering the validity period of the credit card, put the month first and the year last, such as 0215.

2. The validity period of a credit card can only be seen after getting the card. There is currently no other way to check it.

3. The validity period of the existing credit card before the extension will not be changed, and you can still use it normally before the validity period of the card expires.

How to deal with the expiration date of a credit card:

Once a credit card expires, the card can no longer be used and a new card needs to be replaced. However, generally one month before the credit card expires, the bank will proactively send a new card to the customer. But it should be noted that if you don't want to continue using the card, you can call the card issuer one month before the card expires and ask not to replace it with a new card, but you have to pay off all the credit card balances.

If you want to continue using the card, but your mailing address changes, in order to receive the new card from the bank, you can call the card issuer one month in advance to change the mailing address of the credit card, or you can change it yourself Update your mailing address on the credit card official website.

In addition, if you do not receive the new card as scheduled, you must contact the bank promptly to inquire about relevant information and ask the bank to re-issue the card. After receiving the new card, the cardholder should call the customer service number to activate the card. As the new card becomes effective, the original card will become invalid.

Why do credit cards have expiration dates?

1. From a physical point of view, credit cards, as a payment medium, are used frequently and will wear out after long-term use. I believe many cardholders have encountered cards with warped skin. Therefore, regular replacement is necessary;

2. Theoretically, the cardholder’s financial situation is constantly changing. After the credit card expires in three years, the bank can decide whether to continue based on the cardholder’s use of the card. Issuing a card;

3. Reduce or avoid risks: the cardholder forgets to report the loss after losing the credit card; the cardholder has malicious overdraft for a long time; the credit card is used fraudulently after the cardholder passes away, etc.

What should the cardholder do if he no longer wants to use the credit card after it expires? The method is very simple. Just call the credit card center of the card issuer one month before the expiration date and tell them not to issue the card.

What should I do after my credit card expires?

1. Contact the card-issuing bank one month in advance to change to a new card, because the card can no longer be used normally after it expires. In addition, it takes time for the bank to make and send a new card, so it is best to change it in advance. However, most banks will automatically create a card for you one month before the credit card is valid and send it to the cardholder according to the original billing address. Therefore, in order to avoid the situation of failure to deliver due to changing addresses, it is best to advance Contact your bank.

2. Activate the new card in time. The old card will become invalid after the credit card expires or the new card is activated. So be sure to call your bank’s customer service number to activate your new card in time.

3. If you do not want to continue using the card, call the bank customer service one month in advance to explain that you will not change the card, and then cancel the card and cancel the account.

How to change a credit card when it expires:

One month before the credit card expires, the bank will proactively contact the cardholder to inform them that it is time to change the credit card. The old card will still be there until the new card arrives in the mail. Can be used. If the contact information has been changed and the cardholder wants to change his credit card, it is best to call the bank's customer service hotline and inform him of the latest contact information and address. A new card will be mailed to him after application.

How to check the validity period of a credit card? How to check the validity period

1. The validity period of a credit card can be checked directly on the card face of the credit card. The valid period of use of the credit card will be printed on the front of the credit card. Some formats are ValidFromxx/xx and ValidThruxx/xx, which indicate the valid start and end dates of the credit card; some formats are directly xx/xx, which indicates that the credit card is in xx year xx month. Valid before. (In all xx/xx date formats, the front represents the month and the back represents the year. For example, 12/21 represents December 2021).

2. Credit cards issued by banks have a validity period, usually 3-5 years. On the one hand, from a physical point of view, credit cards, as payment media, are used frequently. After long-term use, There will be wear and tear; on the other hand, since the financial situation of credit card holders is constantly changing, after the credit card expires in three years, the bank can decide whether to continue to issue cards based on the cardholder's use of the card. In addition, the validity period of a credit card can also enable banks to avoid risks such as cardholders forgetting to report the loss after losing the credit card, long-term malicious overdrafts, and fraudulent use of the credit card after death.

This concludes the introduction on how to check the validity period of a credit card and how to check the validity period of a credit card. Have you found the information you need?