How to calculate the validity period of bank cards?

Some debit cards have an effective date, which means they can be used within this effective date. Generally, when making a bank card, the bank will print the expiration date on the front of the card, and the cardholder can see this date on the front of the bank card. For example, the date on the bank card of China Construction Bank is 10/20, which means that this bank card can be used from the day it is opened, and it will be invalid when it expires in June 2020, and the card will also be invalid. At present, the debit card is valid for ten years. Before the debit card expires, a reminder that the card is about to expire will be displayed when handling business through the self-service machine.

2. Reason for replacement:

In order not to affect your use, you'd better change your bank card in advance.

From a physical point of view, a bank card is a payment medium. If you use it for a long time or use it too frequently, it will cause a certain degree of wear and tear on the card, especially as a chip card, once worn, it will lose its sensitivity and need to be replaced regularly.

From the perspective of bank audit, the cardholder's financial situation always changes at any time, so when the card expires, the bank will re-examine it to see if it can continue to issue cards.

From the risk point of view, if the cardholder forgets to report the loss after losing the credit card, it will always be fraudulently used, and setting the validity period reduces the risk.

The validity period of debit card is also the normal use time of the card, which is marked on the front of the card. If the debit card expires, you need to replace it with a new one. If it is not replaced, it cannot be used. You need to change the card to continue using it. Many banks will send short messages before the debit card expires, informing cardholders to change their cards at bank outlets in time, otherwise the use of debit cards will be affected. The process of changing cards is relatively simple. Just bring your valid ID card and debit card to the counter for card replacement service. It should be noted that due to the upgrading of the banking system and number segment, the card number of the new card may be different from that of the old card, but some banks can provide the service of changing the card without changing the number, so it may not be possible to pick up the card on the spot, and it takes 2~3 days to make the card. Don't worry if you don't replace the new card in time. Although the old card can't be used, the funds in the card will still exist. After the cardholder successfully changes the card, the funds in the old card will be automatically transferred to the new card, or you can ask the teller at the counter to transfer the money in the card to other bank debit cards under my name.

Three-stage service life of bank debit card:

1, Shanghai Pudong Development Bank, ordinary debit cards are valid for 20 years, and VIP cards are valid for 5 years.

2. Everbright Bank, ordinary debit cards and VIP cards have no time limit under normal use.

3. China Merchants Bank, debit cards are divided into chip cards and magnetic stripe cards. There is no time limit for magnetic stripe cards under normal use. The service life of chip card is 10 year, and the validity period of international debit card is 3 years.

4. ICBC, ordinary debit cards and VIP cards have no time limit under normal use.

5. Bank of Communications, savings cards are divided into chip cards and magnetic stripe cards. The magnetic stripe card has no time limit under normal use, and the service life of the chip card is 10 year.

6. CCB, there is no time limit under normal use of ordinary debit cards, and the VIP card is valid for 5 years.

Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, card number, 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: the magnetic stripe of the card, the cardholder's signature column (which must be signed after activation), the service hotline, the four or all digits after the card number (to prevent fraudulent use), and the credit card security code (the three digits immediately after the signature column on the back of the credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ).