Pull out the card directly, and then find the date marked on the card surface.

The validity period of credit cards is generally marked below, which is easy to find. The usual format is: "ValidThru××/××/××/×××".

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

Of course, some credit cards will not only indicate the expiration time of the validity period, but also indicate 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 your card is valid from June 20 15 to June 2020.

The main features of credit cards:

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

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

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

4. Credit cards 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 cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and social needs.

Main types

According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

What about the validity period of the credit card?

The validity period of the credit card is printed on the front of the credit card in the form of "month/year", which can be viewed by yourself.

Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, English or pinyin name, activation date (generally calculated to month) and effective date (generally calculated to month). The chip is attached to the front of the newly issued card, and the chip account and the card magnetic stripe account are two relatively independent accounts.

Back: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline, the last four digits or all (to prevent fraudulent use), and credit card security code (the last four digits of the signature column on the back of credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ).

Extended data:

After the credit card expires, this card can no longer be used and needs to be replaced with a new one.

As a cardholder, you first need to confirm whether you will use the credit card again. If you continue to use the card, you can contact the bank customer for confirmation. When the card is not frozen and other abnormal situations, banks will generally issue new cards to cardholders. The function and quota of the new card are the same as those of the original card, but the validity period has changed. The new card received must be opened before it can be used.

However, it should be noted that if you don't want to continue using the card, you can call the issuing bank one month before the card expires and ask not to replace the new card, but you must pay off all the debts of the credit card.

Baidu encyclopedia-credit card

How to check the validity period of a credit card?

China Bank credit card expiration date inquiry method: You can inquire the expiration date of the credit card through the four digits at the bottom of the front or back of the card, with the first two digits representing "month" and the last two digits representing "year".

As the validity period of the card is important information for online payment, you need to keep it properly. In view of the frequent incidents of online swiping, in order to ensure the security of your account, the customer service channel is temporarily unable to query the validity period information for you.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

This concludes the introduction of how to treat the validity of credit cards and how to treat the validity of electronic credit cards. I wonder if you have found the information you need?