Why is there a time limit for industrial and commercial bank cards?

General savings card has no time limit, but the annual fee 10 yuan will be deducted from the card every year. If the average daily balance in the card is less than that in 300 yuan, the small account management fee of 3 yuan money will be deducted every quarter. If there is no money in the card and it cannot be deducted, there will be arrears. Under normal circumstances, if you owe money for six consecutive times without handling other agency business, your account will be automatically closed.

I. Credit Card Term of Industrial and Commercial Bank of China

Industrial and commercial bank cards are divided into savings cards and credit cards. The validity period of ICBC's chip debit card is calculated from the card-making date, and is uniformly set to 10 year. The final expiration time is printed on the lower left corner of the card surface, and the card can be changed at any time before the expiration. Icbc credit card, the validity period of the card is printed on the front or back of the card, the first two digits are the month and the last two digits are the year (such as MM/YY).

If ICBC does not use it for a long time, it will not be automatically cancelled immediately. Usually, when the balance of ICBC account is less than 300 yuan, a small account management fee will be charged quarterly. After the ICBC account has no balance, the cardholder will not use the ICBC bank card for half a year, and the bank card will be automatically cancelled.

2. What should I do if the industrial and commercial bank card expires?

Industrial and commercial bank cards are divided into savings cards and credit cards:

1. If it is an ICBC credit card, you will be contacted to change it in the month when the card expires. You can change the card according to the short message or telephone prompt about changing the card. If you still don't receive the relevant prompt after the 20th of the expiration month, please dial 95588 and select "6 Credit Card Service" and select the manual service for inquiry.

2. If it is a dual-logo credit card, it can be upgraded to 1 UnionPay chip card+1 international brand chip card for free. You can take this card and your valid ID card to the business outlet where the card is issued. The card number of the newly issued chip card is different from your old card.

3. If it is an ICBC savings card, the final expiration time is printed on the lower left corner of the card face. Upon expiration, you can change your card at ICBC outlets with your valid ID card and card. According to your own needs, you can choose to change the card number or you can choose to change the card number.