3-5 years.
Credit cards will be invalid after their expiration date, and the validity period of credit cards is generally 3-5 years. The specific time will be printed on the credit card, so you can check it.
CITIC Bank's credit card will not be automatically cancelled if it is not activated. Therefore, if the credit card user determines that he does not want to activate the use of the credit card, it is best to contact the bank to cancel the credit card. Because the unopened credit card may not only generate expenses, but also affect the application and credit line of the new credit card.
Extended data:
If you don't want to use the credit card after receiving it and don't activate it, you'd better cancel it, because some special credit cards are not activated and you have to charge an annual fee, such as the dream card series of Pudong Credit Card.
Moreover, the method of canceling the credit card now is very simple. Just dial the customer service hotline of the bank to which the credit card belongs with your mobile phone to apply for cancellation, without going to the bank outlet to get it, which is very convenient.
The cardholder's credit card will not expire if it is not activated. At present, the credit card is valid for three years. After three years, the bank will take the initiative to change the card. Although the cardholder has not activated the use, the bank will charge an annual fee every year.
If the annual credit card fee is deducted, the cardholder is still not activated, and this annual fee default record will be recorded in the credit report, which will affect the application for loans in any financial institution in the country in the future.