How to check the validity period of a credit card?

The validity period of UnionPay credit cards and UnionPay gold credit cards newly issued by China Merchants Bank after September 10, 2018 will be increased to eight years. The validity period of other types of credit cards will not be changed for the time being and will still be valid for five years;

The credit card validity period is displayed below the 16 digits of the credit card. Some cards only display the expiration time, and some cards will display the interval between card issuance and expiration;

If the number below is an interval, such as 02 /10-02/15 means the card was issued in February 2010 and will expire at the end of February 2015; if the number below only says 02/15, it means it will expire at the end of February 2015.

Warm Tips:

1. When entering the credit card validity period, put the month in front and the year in the back, such as 0215.

2. The validity period of a credit card can only be seen after getting the card. There is currently no other way to check it.

3. The validity period of the existing credit card before the extension will not be changed, and you can still use it normally before the card validity period expires.

How to deal with the expiration date of a credit card:

Once a credit card expires, the card can no longer be used and a new card needs to be replaced. However, generally one month before the credit card expires, the bank will proactively send a new card to the customer. But it should be noted that if you don't want to continue using the card, you can call the card issuer one month before the card expires and ask not to replace it with a new card, but you have to pay off all the credit card balances.

If you want to continue using the card, but your mailing address changes, in order to receive the 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 you can change it yourself Update your mailing address on the credit card official website.

In addition, if you do not receive the new card as scheduled, you must contact the bank promptly to inquire about relevant information and ask the bank to re-issue the card. After receiving the new card, the cardholder should call the customer service number to activate the card. As the new card becomes effective, the original card will become invalid.

Why do credit cards have expiration dates?

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

2. Theoretically, the cardholder’s financial situation is constantly changing. After the credit card expires in three years, the bank can decide whether to continue based on the cardholder’s use of the card. Issuing a card;

3. Reduce or avoid risks: the cardholder forgets to report the loss after losing the credit card; the cardholder has long-term malicious overdraft; the credit card is used fraudulently after the cardholder passes away, etc.

What should the cardholder do if he no longer wants to use the credit card after it expires? The method is very simple. Just call the credit card center of the card issuer one month before the expiration date and tell them not to issue the card.

What should I do after my credit card expires?

1. Contact the card-issuing bank one month in advance to change to a new card, because the card can no longer be used normally after it expires. In addition, it takes time for the bank to make and send a new card, so it is best to change it in advance. However, most banks will automatically create a card for you one month before the credit card is valid and send it to the cardholder according to the original billing address. Therefore, in order to avoid the situation of failure to deliver due to changing addresses, it is best to advance Contact your bank.

2. Activate the new card in time. The old card will become invalid after the credit card expires or the new card is activated. So be sure to call your bank’s customer service number to activate your new card in time.

3. If you do not want to continue using the card, call the bank customer service one month in advance to explain that you will not change the card, and then cancel the card and cancel the account.

How to change a credit card when it expires:

One month before the credit card expires, the bank will proactively contact the cardholder to inform them that it is time to change the credit card. The old card will still be there until the new card arrives in the mail. Can be used. If the contact information has been changed and the cardholder wants to change his credit card, it is best to call the bank's customer service hotline and inform him of the latest contact information and address. A new card will be mailed to him after application.

Where to check the expiration date of a credit card?

Each credit card will have an expiration date limit. Generally, a credit card is usually valid for three to five years. Cardholders can check the validity period of their credit card through the following methods:

(1) Check the validity period of the credit card directly on the physical card. Generally speaking, credit cards will indicate the expiration date of the credit card on the physical card. Cardholders can find a set of numbers on the physical card in the format of "XX/XX", which is the expiration date of the credit card. The representative meaning of this group of numbers is "month/year", that is, 06/22 means that this credit card will expire after June 2022.

Sometimes, cardholders will find two sets of these numbers on their credit cards, which actually represent the start and end dates of the credit card's validity period. Generally speaking, the set of numbers on the left represents the start of the credit card's validity period, while the set of numbers on the right represents the expiration date of the credit card's validity.

(2) Ask the bank’s customer service staff. The bank knows the validity period of the credit card. Cardholders can call the bank's customer service number and ask the bank's customer service staff about the validity period of their credit card.

(3) Go to the counter of the bank branch to inquire. In addition to calling the customer service hotline to inquire, cardholders can also go to a bank branch to inquire and ask the counter staff to check the validity period of their credit card.

How to check the validity period of a credit card?

We all know that any credit card has its own expiration date. If the expiration date is exceeded, our card will no longer be able to be used.

So, how should we know the validity period of our credit card?

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

The numbers in the lower right corner of the picture are the issuance date and expiration date of this credit card (some banks will not mark the credit card’s issuance date, only the credit card’s expiration date).

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

For most bank credit cards, the expiration date is displayed at the bottom of the front of the card. Of course, the expiration date of some credit cards is also displayed on the back of the card.

This way of viewing is more suitable when the credit card is right next to you.

We can deduce the validity period of our credit card through the year and month when our credit card was issued.

Different banks have different credit card validity periods, which range from 3 years, 5, and 10 years. Suppose we apply for 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 will be 06/25.

This way of viewing is more suitable for situations where you don’t have the credit card with you, but you remember that you are probably in a suitable place to apply for a credit card, and you know how many years the credit card is valid.

For security reasons, most banks do not allow customers to call customer service to check the validity period of their credit cards. If we must inquire, we need to go to a bank branch with our ID card, and only after passing identity verification can we inquire the validity period of the credit card.

Credit card information, validity period, and CVV2 are all very important. Unless you need to use it when binding a credit card on some formal websites or platforms, it is best not to leak it casually, otherwise it may be stolen. possible.

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

How to check the validity period of a credit card

You can find out by simply taking out the card and finding the date marked on the card.

The credit card expiration date is usually marked below and is easy to find.

The usual format is: "ValidThru××/××".

In other words, if your credit card is marked with "ValidThru06/20", it means that your card will expire in June 2020.

Of course, some credit cards will not only mark the expiration date of the validity period, but also the start time of the validity period. The format is "ValidFrom××/××, ValidThru××/××".

In other words, if your credit card is marked with: "ValidFrom06/15, ValidThru06/20", it means that the validity period of your card is from June 2015 to 2020 of June.

In other words, if your credit card is marked with: "ValidFrom06/15, ValidThru06/20", it means that the validity period of your card is from June 2015 to 2020 of June.

Where to check the validity period of a credit card

Generally, the validity period of a credit card is below, with the month in front and the date in the back. The general format is: "ValidFromXX/XX" and " ValidThruXX/XX", the front indicates the credit card issuance time, and the latter indicates the credit card expiration time.

If users who cannot read English can look for the "/" symbol on the credit card. There are two dates in one ***. The smaller year is the card issuance date, and the larger year is the validity period. Generally, the credit card validity period is For three to five years. Generally, when making online purchases, you need to fill in the validity period of your credit card. If it expires, you cannot make purchases. Credit cards have expiration dates because they are easily worn out due to frequent use, rendering them unusable.

Everyone’s financial resources are constantly changing. The three-year period allows banks to decide whether to continue to apply for new credit cards based on the cardholder’s card usage; credit cards will also continue to change. Upgrade, some banks may upgrade their credit cards from magnetic stripes to chips to make credit card consumption safer.

After the credit card expires, you will receive a text message reminder from the bank. The premise is that the original reserved mobile phone number is still in use. After receiving the text message, check your credit card and call the bank customer service. Call ahead. After confirming the basic information and delivery address, the reissue of the new card is completed. After receiving the new credit card, it is different and has not been activated. The old card can be used before the new card is activated.

Before activating, you should pay attention to the points of the old card. Although some banks can transfer the points of the old card to the new card, some will be deducted. Generally speaking, if the old card expires, the bank will automatically mail a new card after reviewing the user's credit status. After receiving the new card, the old card must be destroyed in time. If it is discarded casually and criminals pick it up, personal information may be stolen. If you don't want to use your credit card after it expires, you can cancel it in time so that the bank will not automatically mail a new card.

Where can I check the expiration date of a credit card?

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The validity period of a credit card is located at the bottom of the front of the card. Below you can see 4 digits, and there will be a slash between the 2 digits and the 2 digits. This is the validity period of the credit card. Generally, the month is in the first two digits and the year is in the last two digits. For example, 08/24 means that your credit card expiration date is August 2024.

The validity period of the credit card is located at the bottom of the front of the card. Below you can see 4 digits, and there will be a slash between the 2 digits and the 2 digits. This is the validity period of the credit card. The standard format is month first and date last. Credit cards are generally special carrier plastic cards that are 1 mm long, 1 mm wide, and 1 mm thick. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there are chips, magnetic strips, and signature strips on the back. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit.

It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on

Relevant Credit Card Provisions") refer to credit cards issued by commercial banks or other financial institutions with consumer Electronic payment card with full or partial functions such as payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate). Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; a quasi-credit card refers to a credit card in which the cardholder can A quasi-credit card that deposits a certain amount of reserve fund and can be overdrafted within the specified credit limit when the reserve account balance is insufficient for payment. The so-called credit card generally refers to a credit card only.

This concludes the introduction on how to read the expiry date of a credit card and how to read the expiry date of a Postal Bank credit card. Have you found the information you need?