How to enter the validity period of a credit card?

How to fill in the validity period of credit card

YY= year; MM= month

The date is filled in month/year format, for example, 07/20 means that your credit card is valid for July 2020.

The word "VALIDTHRU" is printed on the bottom of the validity period of the credit card, which is the validity period of the credit card, that 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 your credit card is approved.

Credit cards are usually valid for 3-5 years. After expiration, the card will no longer be used. If you continue to use it, you need to sign a contract with the bank again. In the past, cardholders were required to sign contracts at bank outlets. With the development of electronic technology, credit card renewal can only be handled by telephone or Internet.

The purpose of establishing the validity period of credit cards is to prevent credit cards from being damaged after long-term use. Cardholders who frequently use credit cards for spending will certainly cause some wear or damage after long-term use. Therefore, banks will change credit cards regularly to ensure the continuous use of credit cards, and at the same time, they can conduct risk assessment on cardholders. Everyone's economic level will change. Wage income will be high or low in a few years, and the cardholder's economic ability and consumption ability are a dynamic process in a few years.

Banks will also re-evaluate according to the cardholder's economic ability and spending power. If the cardholder's risk is reduced or the financial income is more stable than when issuing the card, the bank will upgrade the cardholder's card by one level when changing the card. On the contrary, if the cardholder's risk increases or his spending power decreases, the bank will also reduce the credit card limit or cancel the card when changing the card. After the credit card expires, the old card should be destroyed in time to prevent criminals from using it.

Consequences of overdue credit card:

1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.

2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.

3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.

4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.

How to fill in the validity period of credit card?

Regarding the validity period of credit card activation, the words "VALIDTHRU" are generally printed on the lower front of the card. VALIDTHRU stands for the validity period of the credit card, which means that the validity period lasts until.

The MM in the "MM/YY" on the right represents the month and YY represents the year (m is the first letter of the word mouth month and y is the first letter of the word yerayyear), so the format of filling in the validity period is month/year (this is the expression of English date, and the month is usually placed before the year). For example, 09/2 1 indicates that the validity period of the customer's credit card is 20265438+.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

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.

apply for

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.

When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.

After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Pin card

Before the credit card is cancelled, the account balance must be settled, and the whole process of card cancellation must be completed within 45 days after the application.

How to fill in the validity period of the card

The validity period of the credit card is located on the left side of the middle position below the front of the credit card and consists of four digits. According to the information on the credit card, you can enter the first two months and the last two years. There is an expiration date under the 16 digit on the front of the credit card in the format of MM/YY. For example, 09/ 18 means that it is valid until September 20 18. When calling the bank's customer service hotline, you can activate it by entering information such as ID number, credit card and valid number as prompted.

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 the 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.

How to fill in the validity period of credit card

How to fill in the validity period of credit card

The validity period of the credit card should be filled in according to the label on the credit card.

1. The month and year are at the bottom of the front of the credit card, and the period of validity is highlighted by the "/"symbol;

2. The credit card is valid in month/year, and10/2 means it will expire on 20 12 10 3 1;

3. Bank credit cards are generally valid for 3 years, and individual banks are 5 years;

After the expiration of the validity period, the bank will decide whether to let the customer continue to use the credit card according to the customer's past use of the credit card.

Credit cards are usually valid for three years. Once this validity period has passed, this credit card can no longer be used for consumption, withdrawal and other businesses. Therefore, credit card users who need to go abroad or work in other places for a long time should confirm whether their credit cards have expired before leaving. If it is about to expire, you should contact the issuing bank in time, and the bank will provide card replacement service in advance. The front of each credit card is marked with the expiration date of this card. For example, VALIDFROM 10/07 means that the card was opened in June 2007, and valid thru10/0 means that the validity period of this credit card is 2010/0. Under normal circumstances, before the expiration of the validity period, the bank will remind users by email, SMS or letter some time in advance. After the new card arrives, the cardholder needs to check the relevant information with the bank and open the card (that is, activate the card) before using it. Therefore, even if the card is lost, it is difficult to have the hidden danger of being stolen. As long as the cardholder calls the relevant customer service hotline, he can ask the bank to reissue the card and send it.

How to fill in the validity period of credit card

1. Generally, the validity period of a credit card is printed on the bottom of the credit card, and VALIDTHRU is the validity period of the credit card, with the previous month and the next year separated by a "/". For example, 05/20 means that the credit card is valid for May 2020, and you can fill in the validity period according to this format.

Generally speaking, the credit card is valid for three years. After the expiration, the use of credit cards will be restricted. Cardholders can continue to use it by replacing it with a new card. Generally, two months before the expiration, the bank will automatically issue a new card to the cardholder.

How to fill in the validity period of China Bank Credit Card Certificate?

The validity period of China Bank Credit Card is below the face of the credit card, and the format is month/year.

The above contents are for your reference. Please refer to the actual business regulations.

This is the end of the introduction about how to enter the validity period of credit card and what is the validity period of credit card. I wonder if you have found the information you need?