How to read the issue date of bank cards?

The validity period of a credit card is generally marked on the card face, and the format is "month/year". For example, "09/22" means that the credit card is valid until September 2022, and the cardholder needs to change the credit card before this date. Credit cards are usually valid for 3 to 5 years. Credit cards issued by different banks have different validity periods. Generally, banks will remind you to change your card before it expires.

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.

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.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card.

Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

What about the date of the credit card?

The validity period of the credit card will be printed on the card certificate of the credit card, and some formats are validfromxxx/XX and ValidThruxx/XX/xx, indicating the effective start and end dates of the credit card; Some formats are directly xx/xx, which means that the credit card is valid before xx month. (In all xx/xx date formats, the month comes before the year, such as 12/2 1 for 202 1 65438+February).

Credit cards issued by banks are valid for 3-5 years. On the one hand, from a physical point of view, credit cards are frequently used and will be worn out after long-term use;

On the other hand, because the financial situation of credit card holders is constantly changing, banks can decide whether to continue issuing cards after the expiration of three years according to the cardholder's card use. In addition, the validity period of the credit card can also enable banks to avoid the risks of forgetting to report the loss of the credit card, long-term malicious overdraft, and fraudulent use of the credit card after death.

The reason for setting the validity period.

1. From a physical point of view, credit cards, as a payment medium, are used frequently and will be worn out after long-term use. I believe that many card users have encountered cards with warped skin, so it is necessary to replace them regularly.

2. Theoretically, the financial situation of the cardholder is constantly changing. After the credit card expires for three years, the bank can decide whether to continue issuing the card according to the cardholder's use of the card;

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

What if the cardholder doesn't want to continue using the credit card after it expires? The method is simple. Just call the credit card center of the issuing bank one month before the expiration date and tell them not to issue cards.

References:

Definition of credit card date terms-Baidu Encyclopedia

What about the validity period of the credit card?

As we all know, any credit card has its own expiration date. If the expiration date is exceeded, our card will no longer be used.

So, how can I know the validity period of my credit card?

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

The number in the lower right corner of the figure is the date of issuance and the validity period of this credit card (some banks will not indicate the date of issuance, but only the validity period of the credit card).

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

The validity period of most bank credit cards is displayed below++on the front of the card. Of course, the expiration date of some credit cards is displayed on the back of the card.

This way of viewing is more suitable when the credit card is around.

We can infer the validity of a credit card from the year it was issued.

The validity period of credit cards in different banks is different, ranging from 3 years, 5 years, 10 years. Suppose we get 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 is 06/25.

This way of viewing is more suitable for the credit card is not around, but I remember where I am suitable to apply for a credit card and know how many years the credit card is valid.

For security reasons, most banks do not support customers to call customer service to check the validity of credit cards. If you must check, you need to bring your ID card to the bank outlet and pass the identity verification to check the validity period of the credit card.

Credit card++,expiration date, CVV2, these information are very important. Unless you need to bind the credit card on some regular websites and platforms, you'd better not disclose it casually, otherwise it will be stolen.

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

How do I know the issue date of the bank card?

1. Know the date of issuance: If it is a bank card, you can only go to the counter or customer service to inquire. If it is a credit card, the validity period of the credit card is generally 5 years, depending on the date on the credit card, and then subtracting 5 years is the date of issuance (the month is in front of the credit card, for example, the validity period on the credit card is 09/ 12, which means that 12 expires in September).

How to check the opening time of credit card?

You can only call the customer service hotline to check the opening time of the credit card, and the date on the card is the validity period of the credit card.

1. The validity period of bank credit cards is generally 5 years, and that of individual banks is 10 year.

After the expiration of the validity period of 1., the bank will decide whether to let customers continue to use credit cards according to their past use of credit cards.

2. The validity period of the credit card is expressed in mm /YY. If it is valid on 0916, it will expire on September 20 16.

If you have more detailed information about the opening time of a credit card or still don't know how to inquire about the opening time of a credit card, you can call the bank customer service phone on the back of the credit card to ask carefully or directly ask the customer service for help.

Second, the credit card activation process:

1, credit card calling card opening process:

Call the credit card 24-hour customer service hotline and follow the prompt tone.

After selecting Chinese service by voice, select credit card, enter credit card++,enter the validity period of credit card and the three-digit security check code on the back of the card. Select credit card account opening and password setting, and then press the # key to end.

2. Credit card online banking card opening process:

Log in to Bank official website (browser computer: macbookpromos 14), open google version 92.0.4515.131,click on the homepage of credit card center, click on the right to open the card and set the password.

Verify the reserved information of credit card application, such as home phone number, ID number, etc.

3. Credit card bank counter card opening process:

Take my ID card and credit card, fill in the application form for special business, and let the staff activate the credit card.

3. The difference between opening a credit card and not opening a credit card is as follows:

1. A credit card that does not open a card is equal to a cancelled card. If opened, it can be used normally and can be overdrawn;

2. If the credit card is not opened after receiving it, the credit card is not activated;

3. Inactive credit cards cannot be overdrawn, used, consumed or paid;

4. Inactive credit cards can be used as debit cards.

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 reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

How to read the validity period of a credit card?

Suppose on a sunny day, you are shopping in the mall, and when you check out, you find that your credit card is unusable and you are penniless. I think the scene must be very embarrassing! Why can't I swipe my card? There is a good chance that your credit card has expired. Today, I will teach you how to read the validity period of credit cards.

How to see the validity period of a credit card is as follows:

A big difference between a savings card and a credit card is that the validity period is printed on the credit card, and the usual format is: ValidFrom07/ 14, ValidThru07/ 17. It means that the credit card is valid from July 20 14 to July 20 17. There are some other expressions, such as: ValidDates, MemberSince, Expires, etc. , but all indicate the validity period.

Chinese logos are rarely seen during the validity period of credit cards. For cardholders who don't know English, what is the validity period of credit cards?

Look for numbers with "/"on the front of the card, such as 10/07, 10/ 10. Such figures are easy to make people wonder, which is the month and which is the year? So please remember that the date of the credit card comes according to the habits of foreigners, that is, the month comes before and the year comes after. Then, the dates indicated by the above figures are June 5438+00, 2007 and June 5438+00, 2065 respectively, in which the smaller year is the date of issuance and the larger year is the validity period of the credit card. Most credit cards issued by domestic banks are valid for three years, counting from the date when our credit cards are approved.

When you use a credit card to pay for online shopping, you will be asked to fill in the validity period of the credit card. In addition, you don't need to worry too much about the validity of credit cards. The bank will mail the new card to our billing address before it expires, and the new card will be valid for three years. For cardholders who have expired and need to use their credit cards for a long time, they can call the credit card center of the issuing bank in advance to discuss the card replacement in advance. Generally speaking, there is no charge.

What do you think of the validity period of credit cards? I'm here to talk to you. You must be quick-witted! In addition, parents who want to apply for a credit card will introduce the credit card application and give you more choices.

So much for the introduction of credit card issuance date.