The bank credit card activation period is defined as:

1. There is no time limit for the bank to activate the credit card.

2. The bank credit card has a valid period, during which it can be activated at any time. If it is not activated beyond the valid period, the card will be cancelled and invalid.

3. bank credit cards are generally valid for 3 to 5 years, marked on the front of the credit card, as long as they can be used before that.

Basic introduction

CreditCard is a non-cash transaction payment method, and it is a micro-credit payment tool provided by banks to users. The earliest credit card appeared at the end of 19th century.

Credit cards are divided into credit cards and quasi-credit cards, which can provide settlement services, facilitate shopping and consumption, and enhance the sense of security; Simplify collection procedures and save social labor; Promote commodity sales, * * * social needs and other characteristics. Credit card is a special card issued by banks or other financial institutions to those with good credit standing, which is used for shopping and spending in designated businesses or depositing and withdrawing cash in designated banking institutions. It is a special credit certificate.

main features

① Credit card is one of the fastest-growing financial services, which can replace traditional cash circulation in a certain range;

② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;

③ Credit card is a high-tech product integrating financial business and computer technology.

④ Credit card can reduce the use of cash and currency;

⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

⑥ Credit card can simplify the collection procedures and save social labor;

⑦ Credit cards can promote commodity sales and meet the social needs. Is the installment cancelled when the credit card balance is fully repaid?

You should consult your own bank. Normally, if you apply for installment, the amount you should repay is actually the amount of each installment, and the excess will not be automatically deducted. If the main card of the credit card is cancelled, is the supplementary card also cancelled

Yes. Supplementary cards are issued according to the main card. After the main card is logged out, the supplementary card will be automatically logged out. Do you need to open the card here to change the card when the credit card expires?

You need to activate it again before you can use it.

the bank credit card is valid for 3 years (some cards are 5 years), and a new card is issued every 3 years;

the card is marked with the expiration date on the front;

the credit card center will take the initiative to send the new card by registered mail before the card expires;

there is no need to go through any formalities. When you receive a new card, sign your name in the signature column on the back of the new card;

complete the card opening procedures for the new card, and cut off the old card and discard it without sending it back to the credit card center;

it will not be used after expiration. For credit cards that are no longer used after expiration;

the cardholder can sign the receipt for not changing the card and send it back to the bank within the specified time;

the bank will stop issuing new cards. In addition, for cardholders who are ready to send back a receipt without changing their cards;

don't send the credit card in the receipt. In the future, you must show your credit card when you cancel it. Is the credit card automatically cancelled when it expires?

it is not automatic cancellation. If your credit is good, the bank will send you a new card before your credit card expires, and you can use it again. If you want to cancel, you need to call customer service. Some credit cards have also been cancelled at the counter. Of course, in any case, you have to pay off your credit card, hehe! Do I have to go to the card opening business hall to change my credit card when it expires?

no, usually banks take the initiative to apply for a new card, or they can apply for a replacement card by phone.

1. Generally speaking, China Merchants Bank's credit card is valid for three years. About one month before its expiration, China Merchants Bank will remind you to change your credit card by SMS or email, and ask you to confirm the receiving address.

2. After the receiving address is confirmed, China Merchants Bank will take the initiative to send Xin's credit card by registered mail.

3. At the same time, the Credit Card Center of China Merchants Bank will inform the code of the registered letter in a short message. You can check the status of the letter at official website Post.

4. The postman will deliver the package or pick up the card at the designated point. Note: you need to bring your credit card ID.

5. After receiving the new credit card, remember to go to China Merchants Bank official website to activate it.

if it is a CMB credit card, two months before the card expires, our bank will send a message to remind you to change the card, and the new card will be sent to the billing address. After receiving the card sending reminder, you can log on to the Pocket Life client at any time to check the sending progress.

Tips

①

Subsequent new cards will be sent to the billing address of the main cardholder (it cannot be sent to an overseas address), and the registered mail method will be preset (the time limit is within 15 days, please call the credit card for manual handling if express delivery is needed), and Platinum/Unlimited cards will be sent by express delivery.

②

If the old card type has stopped issuing, another card type will be issued after the expiration. You can log in to the online bank to select an alternative card type or cancel the transmission of a new card ("Card Management"-"Registration of card replacement upon expiration"); You can also log in to online banking for card replacement or graduation card transfer ("Card Management"-"Young Card Management").

③

You need to re-open the new card after receiving it. After opening the card, the old card will be invalid. Please cut off the old card yourself. If you can't find out if you have a credit card, it means that you have paid it off.

If your credit rating is good, you won't cancel it on schedule. If you don't repay it many times on schedule, you won't lower your credit limit. Can you still use it after canceling it? If you don't want to use it, you will automatically cancel it.

the credit card cannot be used when it expires, and it will not be cancelled automatically if it is not used. If the credit is good, the bank will send a new card before the credit card expires, and then choose to open it and use it again. If you want to cancel, you need to call customer service. Some credit cards have also been cancelled at the counter.

1. Don't cancel your card in a hurry if you have a bad credit record

Under normal circumstances, once the credit card is received and the account cancellation procedures are completed, there will be no more expenses in the card. However, it is necessary to remind cardholders that the cancellation of accounts should not be "reckless".

Generally, banks will check and keep the personal credit information of users within the last two years. If there are bad records before the account is closed, the information will always be in a top and prominent position, which is easy to be used as a reference by banks. In this case, it is suggested to continue to use credit cards, develop good repayment habits, gradually accumulate good records, and compress the bad records to the corner until they quit the information records in the past two years.

2. Remember to confirm that the credit card is invalid if it expires

Although many credit card articles stipulate that the credit card should automatically expire after it expires, there are still some credit cards issued by banks that have not been stopped after the expiration, which brings economic security risks to cardholders. It may be that the cards are abandoned and picked up by others for stealing, and it may also happen that "annual fees will continue to be generated" and "arrears will be caused by interest". In this case, it belongs to poor bank management, and the cardholder should pay the bill for the arrears caused by the expiration of the credit card.

however, to remind cardholders, in order to prevent this kind of trouble, it is best to remember to confirm with the issuing bank whether the credit card has expired and cut the magnetic stripe of the expired credit card when the card expires.

3. Loss reporting due to account freezing does not mean that repayment is not required.

The bad record caused by annual fee is the first record in principle, and can be removed by applying for record. In addition, the freezing and loss reporting of accounts cannot be exempted conditions.

remind the cardholder that if the credit card being used needs to be frozen or reported lost, if there is still debt to be repaid in the card, the repayment should be continued until it is paid off before the repayment date. If the default behavior caused during this period will also be applied for entry as bad credit information.