1, the credit card has expiration date information, you can check the specified time for you on the credit card below. The validity period of a credit card is expressed in months/years, and the validity period of10/2 is 20 12 10 3 1.
2. The validity period of bank credit cards is generally 3 years, and that of individual banks is 5 years. The first year of all bank credit cards refers to 12 months after issuance, not the natural year. During the validity period of the card, that is, within three years, it can be opened at any time. It doesn't matter if it's not opened. If it is not activated, there is no annual fee, and the card is valid for three years. If it is not opened after three years, the bank will automatically cancel it according to your situation.
3. After the expiration of the validity period, the bank will decide whether to let customers continue to use credit cards according to their past use of credit cards. Deactivating the credit card has no effect on your credit. Because this is a normal phenomenon.
4. When you apply for a credit card in the future, the audit department will make a comprehensive evaluation based on your financial certificate, credit rating and related data in the People's Bank of China, and it will not be affected because you have not activated this card. If it is not enabled and then cancelled, the credit will not be affected. Because you have never used it at all, and there is no bad repayment record.
Guangfa Bank Credit Card is the first standard credit card in China. The credit limit of the card is preset according to international standards, and it is used for overdraft consumption and cash withdrawal transactions without pre-deposit.
Method for identify genuine and fake credit cards:
1, plastic film. The real card has a smooth surface and the card material is more elastic. Under the ultraviolet light, the bank logo or the name of the card issuer will appear on the card, which is the laser anti-counterfeiting label. The surface of fake cards is rough, the color is easy to fall off, and the negatives generally have no anti-counterfeiting design.
2. printing. Real cards have bright colors, clear characters and neat stripes. Fake cards usually have vague words, uneven colors and irregular stripes on the card surface, and the overall look is very uncoordinated.
3. stamping. The real Kaka number capitalized English letters are neat and orderly; The stamp number of fake cards is irregular or different from the size of English letters, and even some altered old card numbers can be vaguely seen.
4. The back of the credit card. There is usually a customer service phone number of the credit card company behind the credit card, which the public can call. If the system prompts that the card number is invalid, it means that this is a fake card.
Baidu Encyclopedia-Notice on Printing and Distributing the Measures for the Administration of Credit Card Business