Ping An Credit Card needs to be activated and used within the validity period. The validity periods of Ping An Bank credit cards are currently 3 years, 5 years, 8 years, and 10 years respectively. Cardholders can check the expiration date below the credit card number, which is displayed in the format of "month/year". For example: 10/19, which means the card is valid in October 2019. No fee will be charged if you do not activate it. Expired and unactivated cards will automatically become invalid and invalid, and you cannot apply for resumption of use or reissue of new cards. After invalidation, please cut it off and throw it away without returning it to the bank.

Classification of credit cards:

1. There are many types of credit cards, which can usually be divided into 7 types: corporate cards and personal cards, credit cards and debit cards, and international cards. and regional cards, ordinary cards and gold cards, principal cards and supplementary cards, retail credit cards issued by commercial institutions, and travel and entertainment cards issued by service industries.

2. Credit cards issued by banks

With the rapid development of contemporary science and technology, electronic computers are widely used in banks, which has rapidly expanded the scope of use of bank credit cards, which not only reduces the number of The circulation of banknotes has enabled bank business to break through the limitations of time and space. There are four main types of common credit cards issued by banks:

3. Shopping card

Shopping card refers to a group of stores or service enterprises such as transportation and travel companies organized by banks (referred to as special merchants), which provide credit sales to cardholders. When purchasing goods or services, a bill will be signed, and the bank will collect loan or service fees based on the bill, and at the same time pay a certain percentage of handling fees. Usually the bank settles the bill with the cardholder at the end of the month. If the cardholder repays the loan within the stipulated time, he does not need to pay interest. If the stipulated period is exceeded, he must pay interest to the bank.

4. Charge card

Charge card is a product of the computerized development of banking business. It can automatically transfer money and withdraw some cash through banks on special computer terminals set up in large commercial centers and tourist service centers. A charge card is a credit card that can be used for billing and transfer when making purchases.