What if the bank card expires?

Bank cards can be divided into debit cards and credit cards. Debit cards have no life limit, while the validity period of credit cards can be seen on the front of bank cards. The validity period of domestic credit cards is generally three to five years.

If the cardholder wants to continue to use the card, he can apply to the bank for a replacement card. If the type of credit card used by the cardholder is still issued by the bank, mail the same type of card as the old card. If the credit card bank no longer issues cards, it will mail similar cards after consultation with the cardholders.

After the cardholder gets the card, it will be reactivated, and the original rights and quota of the card will remain unchanged. If the cardholder needs a higher amount, he can apply to the issuing bank when he replenishes the card, and the issuing bank will decide whether to withdraw the amount according to the previous records and credit information.

Extended data

Interest and charges on bank cards?

Banks do not pay interest on deposits of credit cards and stored-value cards. ?

Interest shall be paid on the deposits of quasi-credit cards and debit cards (excluding stored-value cards) in accordance with the regulations of the People's Bank of China. ?

Credit card overdrafts for non-cash transactions can enjoy an interest-free repayment period of up to 60 days. During the interest-free repayment period, the cardholder does not need to pay overdraft interest for non-cash transactions.

However, if the cardholder overdraws beyond the credit limit stipulated by the bank or chooses the minimum repayment amount (the credit card cardholder cannot repay in full during the interest-free period, but chooses to repay according to the minimum repayment amount stipulated by the issuing bank), he will no longer enjoy interest-free treatment. ?

When a credit card holder withdraws cash or overdraws a quasi-credit card, he does not enjoy the interest-free repayment period and the minimum repayment amount, and pays overdraft interest at the rate of five ten thousandths of daily interest. ?

If the credit card overdraft exceeds the bank's credit limit and the minimum repayment amount cannot be returned, the bank will charge 5% of the overdraft limit and the minimum repayment amount for the unpaid part.

Refer to Baidu Encyclopedia-Bank Card