1. The validity period of the credit card can be viewed directly on the card face. The validity period of the credit card will be printed on the front of the card, and some formats are validfromxxx/xx and ValidThruxx/xx/xx, indicating the effective start and end dates of the credit card; Some formats are directly xx/xx, which means that the credit card is valid before xx month. (In all xx/xx date formats, the month is preceded by the year, for example, 12/2 1 means 202 1 and 65438+ February).

Credit cards issued by banks are all valid, usually 3-5 years. On the one hand, from a physical point of view, credit cards are frequently used and will be worn out after long-term use; On the other hand, because the financial situation of credit card holders is constantly changing, banks can decide whether to continue issuing cards according to the cardholder's use after the credit card expires for three years. In addition, the validity period of the credit card can also enable banks to avoid the risks of forgetting to report the loss of the cardholder's credit card, long-term malicious overdraft, and fraudulent use of the credit card after death.

Where can I see the expiration date of the credit card?

The expiration date of a credit card is the validity period, which is located at the lower part of the front of the card. Below you can see four numbers, and there will be a diagonal line between the two numbers, which is the validity period of the credit card. Generally, the month is in the first two places and the year is in the last two places. For example, 0 1/24 means that your credit card will be valid until 2024.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.

Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

According to the "20 13-20 17 report on the in-depth investigation and investment strategic planning of China's credit card industry", since 20 10, the China government has implemented a prudent monetary policy and adopted a series of moderate austerity measures to curb the excessive rise of asset prices and control inflation, which shows that macro-prudential and strengthening capital supervision have become the supervision of China's banking industry.

The analysis shows that the evolution of the industry structure has further optimized and diversified the product portfolio, and also increased the research and development of new industry standards and mobile payment; Deepen credit penetration; Staging business is developing in depth.

20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, the average annual growth rate of credit card issuance in China will remain at around 65,438+04% in the next 65,438+00 years, and the profitability will also tend to improve. It is estimated that by 2020, the cumulative number of credit cards issued in China will exceed 800 million.

What about the validity period of the credit card?

As we all know, any credit card has its own expiration date. If the expiration date is exceeded, our card will no longer be used.

So, how can I know the validity period of my credit card?

Usually we can see the expiration date of our credit card on the card face.

The number in the lower right corner of the figure is the date of issuance and the validity period of this credit card (some banks will not indicate the date of issuance, but only the validity period of the credit card).

This 08/28-where 08 means August and 28 means 2028. This means that August 2028 is the validity period of this credit card, and it also means the expiration date of this credit card.

The validity period of most bank credit cards is displayed on the lower part of the front of the card. Of course, the expiration date of some credit cards is displayed on the back of the card.

This way of viewing is more suitable when the credit card is around.

We can infer the validity of a credit card from the year it was issued.

The validity period of credit cards in different banks is different, ranging from 3 years, 5 years, 10 years. Suppose we get a credit card in June 2020, and the validity period given by the credit card issuer is 5 years, then the validity period of this credit card is 06/25.

This way of viewing is more suitable for the credit card is not around, but I remember where I am suitable to apply for a credit card and know how many years the credit card is valid.

For security reasons, most banks do not support customers to call customer service to check the validity of credit cards. If you must check, you need to bring your ID card to the bank outlet and pass the identity verification to check the validity period of the credit card.

Credit card, expiration date, CVV2, these information are very important, unless you need to bind credit cards on some regular websites and platforms, it is best not to disclose them casually, otherwise they will be stolen.

Of course, when the credit card is about to expire, the bank will send a text message in advance to remind customers and issue a new credit card in advance. When we receive a new credit card and activate it, the old credit card will automatically expire and we will destroy it in time.

Where can I see the expiration date of the credit card?

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The validity period of a credit card is just below the front of the card. Below you can see four numbers, and there will be a slash between the two numbers, which is the validity period of the credit card. Generally, the month is in the first two places and the year is in the last two places. For example, 08/24 means that the expiration date of your credit card is August 2024.

The validity period of a credit card is just below the front of the card. Below you can see four numbers, and there will be a slash between them. This is the validity period of the credit card. The standard format is one month before and one month after. Credit cards are generally plastic cards with special carriers, which are mm long, mm wide and 1mm thick. The front is printed with the name of the card issuer, expiration date, serial number and cardholder's name, and the back is provided with a chip, a magnetic stripe and a signature strip. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

China's relevant laws ("NPC Standing Committee on

The credit card stipulated in the Interpretation of Credit Card Regulations refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumption payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified. Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

What about the validity period of the credit card?

After September 20 18 and 10, the validity period of the new UnionPay credit card Puka and UnionPay credit card Gold Card issued by China Merchants Bank is eight years, while the validity period of other types of credit cards remains unchanged for five years.

The validity period of the credit card is displayed under the 16 digits of the credit card. Some cards only show the expiration time, while others show the interval between issuance and expiration.

If the following number is an interval, such as 02/ 10-02/ 15, it means that the card was issued in February 20 10 and will expire at the end of February 20 15; If the number below only says 02/ 15, it means that 20 15 will expire at the end of February.

Tips:

1. When the validity period of the credit card is entered, the month is after the previous year, such as 02 15.

2. The validity period of the credit card can only be seen after you get the card, and there is no other channel to inquire for the time being.

3. The validity period of the existing credit card remains unchanged before the extension, and you can still use it normally before the expiration of the validity period of the card.

How to deal with credit card expiration:

Once the credit card expires, this card can no longer be used and needs to be replaced with a new one. But generally, one month before the credit card expires, the bank will take the initiative to issue a new card to the customer. However, it should be noted that if you don't want to continue using the card, you can call the issuing bank one month before the card expires and ask not to replace the new card, but you must pay off all the debts of the credit card.

If you want to continue to use the card, but your mailing address has changed, in order to receive a 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 update the mailing address on the credit card official website yourself.

In addition, if you don't receive the new card as scheduled, you should contact the bank in time to inquire about the relevant information and ask the bank to reissue the card and send it. After receiving the new card, the cardholder should call customer service to open the card. With the new card coming into effect, the original card will be invalid.

Why are credit cards valid?

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

2. Theoretically, the financial situation of the cardholder is constantly changing. After the credit card expires for three years, the bank can decide whether to continue issuing cards according to the cardholder's use of the card.

3. Reduce or avoid risks: the cardholder forgets to report the loss after losing his credit card; Cardholder's long-term malicious overdraft; After the cardholder died, the credit card was fraudulently used.

What if the cardholder doesn't want to continue using the credit card after it expires? The method is simple. Just call the credit card center of the issuing bank one month before the expiration date and tell them not to issue cards.

What should I do after the credit card expires?

1. Contact the issuing bank one month in advance to replace the new card, because the card can no longer be used normally after it expires. In addition, it takes time for banks to make and send new cards, so it is better to replace them in advance. However, most banks will automatically handle the card for you 1 month before the validity of the credit card, and send it to the cardholder according to the original billing address, so in order to avoid the situation that it cannot be sent because of the address change, it is best to contact the bank in advance.

2. Activate the new card in time. After the credit card expires or a new card is activated, the old card will be invalid. So be sure to call the bank customer service in time to activate the new card.

3. If you don't want to continue to use the card, call the bank customer service one month in advance to explain that you won't change the card, and then return the card and cancel the account.

How to replace a credit card after it expires:

One month before the credit card expires, the bank will take the initiative to contact the cardholder and tell him that the credit card needs to be changed, and the old card can still be used until the new card is mailed. If the contact information has been changed and the cardholder wants to change his credit card, it is best to call the bank customer service hotline to inform him of the latest contact information and address, and a new card will be mailed after application.

What about the validity period of the credit card?

1. The validity period of the credit card is printed on the front of the credit card in the form of "month/year", and you can check it yourself.

2. On the card face of a credit card, at least the following information is available: front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, English or pinyin name, activation date (generally calculated to month) and effective date (generally calculated to month). Chip account and card magnetic stripe account are two relatively independent accounts.

3. Back: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline, the last four digits or all (to prevent fraudulent use), and credit card security code (the last four digits of the signature column on the back of credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ).

Extended data

1. After applying for a credit card, you only need to go to the outlet for a face-to-face interview within 90 natural days after receiving the short message and card letter from the bank for the first time. It is recommended that you go to the city outlet where the billing address is located for face-to-face signing as soon as possible after receiving the credit card. If the face-to-face signing is not timely, the bank will have a SMS reminder. If the time limit is exceeded, the credit card application will automatically become invalid and the card can be cut and destroyed by itself.

2, the consequences of overdue will produce liquidated damages, generally the minimum repayment amount, 5% of the unpaid part. High interest rates. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years. If the payment is overdue for more than 3 months and the amount exceeds 1 000, the bank will not only pay back the money, but also bear criminal responsibility.

How to read the introduction of credit card date? Let's stop here.