What should I do if I can't remember the expiration date of my credit card?

How to check the service life of credit card (debit card)? What should I do when it expires?

Credit card (debit card) has been close to people's daily life. Many people are using credit cards (debit cards), but many useful basic information of credit cards (debit cards) has been forgotten by everyone.

For example, a credit card (debit card) is different from a debit card in that it has a service life. Before the service life expires, it needs to be replaced at the issuing bank before it can be used normally.

So why do credit cards (debit cards) have an expiration date? What if it expires? After the credit card (debit card) expires, these operations are very important and can help you reduce a lot of trouble.

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How to check the service life of credit card (debit card)?

Once the credit card (debit card) expires, you can't spend it by swiping it. You must send the card back to the bank, otherwise you will have to pay the annual fee for the credit card (debit card). It is not difficult to check the validity period of credit card (debit card). One is to look at the paper in the mail sent to you by the bank, which indicates your bill date, repayment date, credit card (debit card) term and specific expiration date.

Another is to find the number with "/"on the card face of the credit card (debit card), such as 05/23, and the number after it indicates the year before the month, because the credit card (debit card) is imported from abroad and the marking is in accordance with foreign practices. So 05/23 means that the credit card (debit card) will expire in May 2023. Generally speaking, the term of credit cards (debit cards) issued by major domestic banks is 3 to 5 years. If you want to know the specific date, you can call the bank staff or go to the bank counter for advice.

First, adjust the credit card (debit card) quota.

Everyone knows that it is not a one-off event to withdraw cash from credit cards (debit cards). Many times it is necessary to apply to the bank, and some people don't do it because they are too troublesome. After the credit card (debit card) expires, the bank will reissue it for you. At this time, it will make new quota adjustment according to your past consumption records, current economic ability and personal credit information. As long as you don't use a credit card (debit card) maliciously, such as overdue, the bank will generally increase your quota and upgrade your card. You will be happy after seeing the cool card, and you will have a desire to spend, so the bank will be happy.

Second, improve the security of credit cards (debit cards).

When using a credit card (debit card), it is easy to cause the credit card (debit card) to be stolen if preventive measures are not taken carefully. The credit card (debit card) swipes the card on the pos machine and is bound to the software used by the credit card (debit card), so it is necessary to verify the limited period to further verify the security of the extra copy. Moreover, after the expiration of the limited period, it will be refused to spend, which can prevent the card thief from always doing something wrong. In addition, after the credit card (debit card) is used for a long time, the magnetic stripe,++and other related information will be worn out, and the function is not advanced. After replacement, the use function of credit card (debit card) can be increased to facilitate the daily consumption of cardholders.

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What should I do after the credit card (debit card) expires?

Generally speaking, when your credit card (debit card) is about to expire, the bank staff will take the initiative to contact you and ask you to replace it with a new card. However, it takes time for the bank to readjust the quota, handle the card and send it back, so you'd better contact the issuing bank one month in advance and ask for a replacement card. This is better for cardholders who have changed their work and home addresses, so that banks can clearly know the cardholder's delivery address. This is crucial, the bank will not make mistakes, nor will it affect the normal use of the card.

During the period when a credit card (debit card) expires and a new card is replaced, the old card can still be used, but there are still risks. Don't disclose all the information of the card during the insurance period. After you get a new card, you can activate it by phone or online banking. After activation, the old card can no longer be used. You'd better cut out the magnetic stripe of the old card. Finally, I have to explain that the credit card (debit card) will be automatically cancelled after it expires, but only the card will be automatically cancelled, which means that the card will be automatically unusable, but the account you applied for in the bank is still there. If you want to cancel, you need to apply yourself.

Protecting all the information of credit card (debit card) is the safest way to use the card. In the process of using credit card (debit card), it is best not to disclose the relevant information of the card to ensure the safety of your property. At the same time, although credit card (debit card) can make you happy in sales, you should also spend rationally, repay on time and don't be overdue!

What if the credit card expires?

Apply to the bank for card replacement or cancellation.

1. Cardholders can apply for a new card from the bank if they want to continue using it. If the card type used by the cardholder is still issued in the bank, mail a card of the same type as the old card; If the card bank stops issuing cards, it will negotiate with the cardholder and mail a similar card.

After the cardholder gets the card, it is reactivated, and the original rights and quota of the card remain unchanged.

If the cardholder needs a higher limit, he can apply to the issuing bank when changing the card, and the issuing bank will decide whether to increase the limit according to the previous records and credit information.

2. If the cardholder doesn't want to continue to use it, please be sure to apply for cancellation. Although the card has expired, the cardholder's credit account is still there, and the contract between the cardholder and the bank is still there, so the annual fee due for the credit card will still be generated as usual;

If not used or cancelled, the credit card may be overdrawn quietly, resulting in the bad record of the cardholder.

3. If the cardholder has not decided whether to continue using it, he can call the customer service hotline to inform the issuing bank. The issuing bank will keep the++and card rights for a certain period of time, and then apply to the issuing bank for card replacement when the cardholder needs to continue to use them in the future.

Extended information:

1. Credit card consumption is a non-cash transaction payment method. You don't need to pay cash when you consume, and you can repay it on the account date.

2. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of petty cash according to the regulations, and when the balance of the petty cash account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

3.202 1 year 1 month 1 day, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 5‰ of the daily interest rate and the lower limit is 0.7 times of the daily interest rate of 5‰).

On May 25th, 20021year, the Supreme People++promulgated and implemented the Provisions of the Supreme People++on Several Issues Concerning the Trial of Civil++Cases of Bank Cards.

Can I use my credit card after it expires?

You can't use your credit card after it expires. You need to change the card before you can continue to use it, otherwise the original card cannot be used.

1. Credit cards are generally valid for three years;

2. After the expiration of three years, the bank credit card center will evaluate the credit situation;

3. If you use it well and repay it on time, the service life will be extended;

4. A new card will be issued after the extended use, and it needs to be activated;

5. The new card completely inherits the original card;

6 bad credit, not on time repayment, no extension.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.

Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units. It is a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.

A real credit card has the following characteristics: cash is not allowed to be pre-deposited, it is paid after consumption, it enjoys an interest-free repayment period, and it can be repaid in installments (with a minimum repayment amount). Joining international credit card organizations such as VISA and MASTER can be used worldwide.

Credit card holders should pay attention to the use of cards, and pay attention to the time and place of consumption when using credit cards. If it is a large amount of consumption late at night or early in the morning, it is easy to receive a letter drop or card seal notice from a commercial bank. Credit cards are affected by national policies in real estate, public welfare, education, building materials and other trading places. Especially in real estate, credit card consumption will be restricted.

Credit card holders should pay attention to the fact that credit cards can usually only be used in shopping, tourism, restaurants, shopping malls and other daily consumption places. Under the management of the bank, credit cards also have consumption restrictions, and you can't swipe your card anywhere. Cardholders need to repay in full and on time after spending by credit card. If they are unable to repay, they can apply for the minimum repayment amount.

What should I do after the service life of CCB credit card expires?

The bank will take the initiative to apply for a new card for users. After the card is activated, a new card will be actively renewed two months before the card expires (unless the card status is abnormal).

If the card has not been activated, please activate the card as soon as possible two months before the card expires, otherwise the bank will think that the user no longer needs the credit card, so it will not provide card replacement service.

China Construction Bank was established in June 1954+ 10/0/. The head office is located at No.25, Financial Street, Beijing. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business. It has branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.

China Construction Bank has a broad customer base, maintains banking contacts with many large enterprise groups and leading enterprises in China's economic and strategic industries, and its marketing network covers major regions of the country. 20 16 On June 30th, the British Banker magazine published the ranking of 1000 big banks in the world, and China Construction Bank ranked second.

20 18 February, the "Top 500 World Brands of 20 18" compiled by the World Brand Laboratory was announced, and China Construction Bank ranked 203rd. July 20 19 was selected as the Fortune Global 500. The Belt and Road Initiative ranks 40th among the top enterprises in China 100. 20 19 12, China Construction Bank was selected as the brand of 20 19 China Brand Power Festival 100.

20 19 12 18, People's Daily released the China Brand Development Index 100 list, and China Construction Bank ranked 25th. 20201October 4th, 65438, won the evergreen award of Caijing 2020 "Sustainable Development Benefit Award". In March 2020, it was selected as one of the top 500 global brands in 2020 13.

After China Construction Bank was restructured into a state-controlled joint-stock commercial bank, its name was China Construction Bank Co., Ltd., referred to as China Construction Bank. China Construction Bank Co., Ltd. inherited the commercial banking business and related assets, liabilities and rights and interests of the former China Construction Bank.

China Construction Bank has a broad customer base, and maintains banking ties with many large enterprise groups and leading enterprises in China's economic and strategic industries. Its marketing network covers major regions of the country and has more than 65,438+03,600 branches.

After the establishment of China Construction Bank Co., Ltd., strategic investors will be introduced to further realize equity diversification and improve the corporate governance structure. At the same time, we will continue to comprehensively promote various management reforms, promote performance progress, and strive to turn China Construction Bank Co., Ltd. into a modern joint-stock commercial bank with sufficient capital, strict internal control, safe operation, good service and good benefits.

What if the credit card expires? What if the credit card expires?

1. If the customer wants to use the credit card again, he can directly call the issuing bank to apply for the renewal of the credit card. If the user chooses++unchanged, the bank will mail the original credit card with the same++;

2. If the customer doesn't want to use the credit card any more, he can apply to the issuing bank for cancellation, and the bank will not issue a new credit card after the trial. If users don't want to cause inconvenience in the future, they must settle the credit card arrears and apply for cancellation before the credit card expires.

The above is the relevant content of how to do when the credit card expires.

Can I use my credit card after it expires?

Credit cards have a corresponding time limit and cannot be used after expiration. If the user wants to continue to use the credit card, he can apply for a credit card from the bank through the customer service phone or directly to the business outlet, and then continue to use it. However, changing a credit card does not mean that the credit card limit will be adjusted. If users often use credit cards and keep a good repayment record, they can apply to the bank for withdrawal after half a year. This article mainly writes the relevant knowledge points about how to do when the credit card expires, and the content is for reference only.

The validity of the credit card has passed! Can I still use it?

Under normal circumstances, credit cards cannot be used when they expire.

When your credit card expires, you need to replace it to continue using it. Many banks will send text messages before the debit card expires, informing cardholders to change their cards at bank outlets in time.

Cardholders only need to bring their valid identity documents and debit cards to the bank outlets for card replacement. Banks will generally issue new cards to credit card users before their credit cards expire, and cardholders can use the new cards directly.

Under normal circumstances, credit cards cannot be used when they expire. When your credit card expires, you need to replace it to continue using it. Many banks will send text messages before the debit card expires, informing cardholders to change their cards at bank outlets in time. Cardholders only need to bring their valid identity documents and debit cards to the bank outlets for card replacement. Banks will generally issue new cards to credit card users before their credit cards expire, and cardholders can use the new cards directly.

However, there is also a situation that whether a credit card can be used after its expiration depends on several situations, mainly on what type of card it is. Generally speaking, savings cards will not expire. If it is found that it cannot be used normally, it may be that the card has been demagnetized or the ID card information has expired. Demagnetization needs to contact the bank to apply for a replacement card.

Another situation is the financial IC savings card, that is, the chip card, which generally sets the validity period of the chip, and the validity period is generally 10 year. The savings card cannot be used normally after it expires.

Credit cards have a time limit, usually three years. If the credit card is about to expire, the bank will contact us and mail us a new card.

If you still don't receive the relevant tips within 20 days after the expiration of the current month, you can call its service hotline to choose manual inquiry and apply for a new card. The credit card can still be used after it expires, because the credit card has not been degaussed, so if it expires, we need to deal with it after the new card is activated or destroy the old card.

Why do credit cards have an expiration date?

1. From a physical point of view, physical cards, as a payment medium, are frequently used and will be worn out after a long time. This is to set a reasonable validity period to avoid the card from being affected by wear and tear.

2. Bank audit. The financial situation of cardholders is constantly changing. Whether it is a credit card or a wealth management card, banks need to re-evaluate whether to continue issuing bank cards after expiration.

3. Reduce or avoid risks. The cardholder forgets to report the loss after reporting the loss of the credit card; Cardholder's long-term malicious overdraft; After the cardholder died, the card was fraudulently used.

That's all for the introduction of how to do when the credit card expires.