Chinese law does not clearly stipulate the maximum period of credit card guarantee. If the two parties do not agree on the guarantee period, the guarantee period shall be six months from the expiration of the main debt performance period. Legal basis: Article 692 of the "People's Republic of China and Civil Code" The guarantee period is the period during which the guarantor assumes the guarantee liability, and no suspension, interruption or extension will occur.

The creditor and the guarantor may agree on a guarantee period, but if the agreed guarantee period is earlier than the main debt performance period or expires at the same time as the main debt performance period, it will be deemed that there is no agreement; if there is no agreement or the agreement is unclear, the guarantee period The period is six months from the expiration of the principal debt performance period.

If the creditor and the debtor do not agree on the main debt performance period or the agreement is unclear, the guarantee period shall be calculated from the expiration of the grace period in which the creditor requests the debtor to perform the debt. Article 188 of the Civil Code

The statute of limitations for petitioning the People's Court for protection of civil rights is three years. If the law provides otherwise, such provisions shall prevail.

The statute of limitations shall be calculated from the date when the obligee knows or should know that the right has been damaged and the obligor knows. If the law provides otherwise, such provisions shall prevail. However, if it has been more than 20 years since the right was damaged, the people's court will not grant protection. If there are special circumstances, the people's court may decide to extend the time based on the application of the right holder.