Why are expired credit cards displayed?

The credit card has not actually expired, but what is the reason for prompting that the validity period has expired?

The credit card has not actually expired, just because you misread the validity period of the card, so you are prompted that the validity period has expired. Because the validity period of the credit card is displayed in the order of year, month and day, and it is easy for us to regard it as year, month and day in the chronological order of China.

What should I do if my credit card expires?

Pay attention to the shelf life when buying food, and pay attention to the shelf life when buying electrical appliances? In fact, bank cards have a similar problem, called validity period, but many credit card holders have never paid attention to this problem. Then, how much does the validity period affect a credit card, and how should the cardholder respond?

The card will be invalid immediately after it expires.

According to the bank staff, the validity period of credit cards is mostly three to five years, and there are obvious marks on the card surface, such as "validfromxx/xx, validthruxx/xx" or similar marks, indicating that the validity period of credit cards is xx months -xx months, and beyond the time limit, it means that the card can no longer be used.

Then, the validity period is approaching, how should cardholders respond? The reporter learned in the credit card department of a bank that most banks will take the initiative to mail new cards to customers one month before the card expires. However, cardholders should pay attention that if the mailing address changes, they should call the credit card customer service center in advance to change the mailing address, so as to avoid getting a new card. In addition, if you don't receive the new card as scheduled, you should contact the bank in time and ask the bank to mail the card again.

The old and new alternate quotas remain unchanged.

Some cardholders also have doubts about whether the quota and function will change after the renewal of the new card. In this regard, the relevant staff of the bank told the reporter that one month before the card expires, as long as the card does not appear abnormal use status such as freezing, the bank will take the initiative to mail a new card to the customer, and the new card and the original card will not change in terms of functions and quotas, and the points of the original card will be transferred to the new card. However, the situation that the new card quota is reduced does exist. A number of banks said that they will always pay attention to the cardholder's card usage and adjust the credit limit regularly accordingly. Cards with low consumption and low credit limit are likely to be lowered.

For customers who want to increase the new card quota, after receiving the new card, they should first call customer service to open the card. With the new card coming into effect, the original card will be invalid. Then, apply to the bank to increase the quota, and the bank will make appropriate adjustments after verifying the customer's card use.

If you don't renew your card, you must cancel it.

Some people may not want to continue to use the card because it is inconvenient, but remember not to ignore it because the credit card has expired. Bank staff told reporters that even credit cards that have never been used during the validity period of the card may be in arrears because of the annual fee. Therefore, in order to avoid bad credit records, cardholders should be careful to handle credit cards that are no longer used, regardless of whether the card has expired or not. It is best to consult the credit card customer service center to avoid the influence of the annual fee accumulated year by year. If you need to cancel your card, the cardholder can directly call the customer service phone number of the relevant bank or bring relevant materials to the bank outlet for handling.

Why does the newly activated credit card (debit card) show that the card has expired when swiping it?

The newly activated credit card (debit card) shows that it has expired when swiping the credit card (debit card) because the credit card (debit card) has expired. Credit cards (debit cards) must be used within the validity period. If the user does not activate the card for a long time after applying, and then activates it when the validity period is about to expire, then he may encounter an expiration reminder when swiping a credit card (debit card). At this time, the user can ask the bank to reissue a new card, receive the new card and activate it, and the user can continue to use the card.

In addition, credit cards (debit cards) generally issue new cards to users before expiration, but they are activated before expiration, and banks may not issue new cards.

What do you mean, why did the credit card expire?

The expiration of the credit card means that the validity period of the credit card is coming soon. This validity period is a set of numbers marked on the card face in MM/YY format, where MM refers to the month and YY refers to the year, which means that the credit card can only be used for MM months in YY year, and it cannot be used after it expires. If you want to continue to use the card, you don't have to reissue it, just get a new card issued by the bank.

What is a credit card?

Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.

The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to the specialized commercial service department for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The earliest credit card appeared at the end of 19. In the 1980s, the British clothing industry developed the so-called credit card, followed by the tourism and business sectors. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line. In 1950s, McNamara, an American Manhattan credit expert, dined in a restaurant. Because he didn't bring enough money, he had to ask his wife to send money. This made him feel embarrassed, so he organized DinersClub (English: Diners Club). Members can bring their dining charge cards to 27 designated restaurants for consumption without paying cash. This is the earliest credit card. Franklin National Bank was the first bank to issue credit cards, and other American banks followed suit. .

Another way of saying credit card is that 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. 20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

JD.COM's credit card shows what happened after the card expired.

Find the credit card and see if the later use time has expired.

If it has expired, you need to bring your ID card to the issuing bank for replacement, and you can use it after replacement.

Other card replacement matters:

1. The bank will provide you with card replacement service for free when it expires; It basically does not affect the use of cards.

2. The replacement of the main card and the supplementary card will be sent to the billing address of the main card holder. The card expires, and the new card is the same as the old one. Some credit cards will change when they are renewed due to reasons such as suspension of issuance, so the old cards can be used until they expire.

Please open a new card in time after receiving it. When the replacement is the same as the old card, the old card will be invalid immediately after the new card is opened and needs to be cut. The credit card is valid for 5 years. Whether to change a new card is comprehensively evaluated according to your card usage. You will receive SMS notification two months before the card expires.

Extended data

Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.

After the financial crisis and the ups and downs of the domestic economy, the credit card market in China picked up on 20 16. By the end of 20 16, the total number of credit cards issued in China has exceeded 590 million. In 20 16, the transaction amount of credit card consumption in China reached 74 1.8 1 trillion, up by 10.75% year-on-year, and the proportion of credit card consumption in the total retail sales of social consumer goods continued to increase.

China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, the average annual growth rate of credit card issuance in China will remain at around 65,438+04% in the next 65,438+00 years, and the profitability will also tend to improve. It is estimated that by 2020, the cumulative number of credit cards issued in China will exceed 800 million.

Guangfa credit card shows that it has expired and can be used again in two days. What happened?

Maybe the credit card was degaussed.

Guangfa credit card can only be used if it expires and needs to be replaced with a new card. Generally speaking, if your Guangfa Credit Card fails to notify Guangfa Bank to stop using the card and go through the cancellation procedures before the expiration of the validity period, it means that you request to continue using the card, and the bank will make a new card and send it to you.

If the card is damaged or the magnetic stripe is damaged, please call the 24-hour customer service hotline of Guangfa Bank to apply for card replacement and pay the fee. If you need to provide emergency replacement service for a new card, you need to charge an emergency business card printing fee, and the new card can be collected within 1-3 working days.

Let's not talk about why the introduction of expired credit cards is displayed.