How to check the validity of credit cards?

What about the validity period of the credit card?

Pull out the card directly, and then find the date marked on the card surface.

The validity period of credit cards is generally marked below, which is easy to find. The usual format is: "ValidThru××/××/××/×××".

In other words, if your credit card is marked "ValidThru06/20", it means that your card will expire in June 2020.

Of course, some credit cards will not only indicate the expiration time of the validity period, but also indicate the start time of the validity period. The format is "ValidFrom××/××, ValidThru××/××".

In other words, if your credit card is marked with "ValidFrom06/ 15, ValidThru06/20", it means that your card is valid from June 20 15 to June 2020.

In other words, if your credit card is marked with "ValidFrom06/ 15, ValidThru06/20", it means that your card is valid from June 20 15 to June 2020.

How to check the validity period of a credit card?

China Bank credit card expiration date inquiry method: You can inquire the expiration date of the credit card through the four digits at the bottom of the front or back of the card, with the first two digits representing "month" and the last two digits representing "year".

As the validity period of the card is important information for online payment, you need to keep it properly. In view of the frequent incidents of online swiping, in order to ensure the security of your account, the customer service channel is temporarily unable to query the validity period information for you.

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

What about the validity period of the credit card?

More and more users use credit cards. Credit cards have a validity period, and the validity period of different banks is different. The validity period is generally 3-5 years. What about the validity period of the credit card? Let's have a look.

1. The card face of the credit card clearly indicates the validity period of the credit card. The validity period of the credit card is embossed on the second line on the front of the card in the form of month/year, indicating that the card can be used until the last day of the corresponding month in the corresponding year. The format is MM/YY. For example, the card face of a credit card is marked as 12/08, and the validity period is 12,2008 (3124: 00).

2. If the card surface of the credit card is worn out, or the credit card is not at hand, the user can call the customer service hotline of the bank to check the validity period of the credit card.

That's the validity of credit cards.

Where can I see the expiration date of the credit card?

Generally, the validity period of a credit card is below, the month is in front and the date is behind. The general formats are "ValidFromXX/XX" and "ValidThruXX/XX", where the front side indicates the issuing time of the credit card and the back side indicates the expiration time of the credit card.

If you don't understand English, you can look for the "/"symbol on your credit card. A * * * has two dates, the younger is the date of issuance and the older is the period of validity. Generally, credit cards are valid for three to five years. Generally, you need to fill in the validity period of the credit card when you spend online. If it's overdue, it can't be spent. Because of frequent use, credit cards are time-limited, which easily leads to wear and tear and cannot be used.

Everyone's financial resources are constantly changing, and the three-year period allows banks to decide whether to continue to apply for new credit cards for users according to the cardholder's card use; Credit cards will continue to be upgraded, and some banks may upgrade credit cards from magnetic stripes to chips in order to make credit card consumption safer.

After the credit card expires, you will receive a SMS reminder from the bank, provided that the original reserved mobile phone number is still in use. After receiving the text message, check your credit card and call the bank customer service. You should have called in advance. After confirming the basic information and delivery address, reissue the new card. After receiving the new credit card, it was different, and it was not activated. The old card can be used before the new card is activated.

Pay attention to the integral of the old card before activation. Although some banks can transfer the points from the old card to the new card, they will deduct some of them. Generally speaking, if the old card expires, the bank will automatically mail the new card after checking the user's credit status. After the new card is received, the old card should be destroyed in time. If you discard it at will, you may steal personal information. If you don't want to use your credit card after it expires, you can cancel it in time, so that the bank won't automatically mail a new card.

What about the validity period of the credit card?

After September 20 18 and 10, the validity period of the new UnionPay credit card Puka and UnionPay credit card Gold Card issued by China Merchants Bank is eight years, while the validity period of other types of credit cards remains unchanged for five years.

The validity period of the credit card is displayed under the 16 digits of the credit card. Some cards only show the expiration time, while others show the interval between issuance and expiration.

If the following number is an interval, such as 02/ 10-02/ 15, it means that the card was issued in February 20 10 and will expire at the end of February 20 15; If the number below only says 02/ 15, it means that 20 15 will expire at the end of February.

Tips:

1. When the validity period of the credit card is entered, the month is after the previous year, such as 02 15.

2. The validity period of the credit card can only be seen after you get the card, and there is no other channel to inquire for the time being.

3. The validity period of the existing credit card remains unchanged before the extension, and you can still use it normally before the expiration of the validity period of the card.

How to deal with credit card expiration:

Once the credit card expires, this card can no longer be used and needs to be replaced with a new one. But generally, one month before the credit card expires, the bank will take the initiative to issue a new card to the customer. However, it should be noted that if you don't want to continue using the card, you can call the issuing bank one month before the card expires and ask not to replace the new card, but you must pay off all the debts of the credit card.

If you want to continue to use the card, but your mailing address has changed, in order to receive a new card from the bank, you can call the card issuer one month in advance to change the mailing address of the credit card, or update the mailing address on the credit card official website yourself.

In addition, if you don't receive the new card as scheduled, you should contact the bank in time to inquire about the relevant information and ask the bank to reissue the card and send it. After receiving the new card, the cardholder should call customer service to open the card. With the new card coming into effect, the original card will be invalid.

Why are credit cards valid?

1. From a physical point of view, credit cards, as a payment medium, are used frequently and will be worn out after long-term use. I believe that many card users have encountered cards with warped skin. Therefore, regular replacement is necessary;

2. Theoretically, the financial situation of the cardholder is constantly changing. After the credit card expires for three years, the bank can decide whether to continue issuing cards according to the cardholder's use of the card.

3. Reduce or avoid risks: the cardholder forgets to report the loss after losing his credit card; Cardholder's long-term malicious overdraft; After the cardholder died, the credit card was fraudulently used.

What if the cardholder doesn't want to continue using the credit card after it expires? The method is simple. Just call the credit card center of the issuing bank one month before the expiration date and tell them not to issue cards.

What should I do after the credit card expires?

1. Contact the issuing bank one month in advance to replace the new card, because the card can no longer be used normally after it expires. In addition, it takes time for banks to make and send new cards, so it is better to replace them in advance. However, most banks will automatically handle the card for you 1 month before the validity of the credit card, and send it to the cardholder according to the original billing address, so in order to avoid the situation that it cannot be sent because of the address change, it is best to contact the bank in advance.

2. Activate the new card in time. After the credit card expires or a new card is activated, the old card will be invalid. So be sure to call the bank customer service in time to activate the new card.

3. If you don't want to continue to use the card, call the bank customer service one month in advance to explain that you won't change the card, and then return the card and cancel the account.

How to replace a credit card after it expires:

One month before the credit card expires, the bank will take the initiative to contact the cardholder and tell him that the credit card needs to be changed, and the old card can still be used until the new card is mailed. If the contact information has been changed and the cardholder wants to change his credit card, it is best to call the bank customer service hotline to inform him of the latest contact information and address, and a new card will be mailed after application.

How to check the validity period of a credit card?

1. The validity period of the credit card can be viewed directly on the card face. The validity period of the credit card will be printed on the front of the card, and some formats are validfromxxx/xx and ValidThruxx/xx/xx, indicating the effective start and end dates of the credit card; Some formats are directly xx/xx, which means that the credit card is valid before xx month. (In all xx/xx date formats, the month is preceded by the year, for example, 12/2 1 means 202 1 and 65438+ February).

Credit cards issued by banks are all valid, usually 3-5 years. On the one hand, from a physical point of view, credit cards are frequently used and will be worn out after long-term use; On the other hand, because the financial situation of credit card holders is constantly changing, banks can decide whether to continue issuing cards according to the cardholder's use after the credit card expires for three years. In addition, the validity period of the credit card can also enable banks to avoid the risks of forgetting to report the loss of the cardholder's credit card, long-term malicious overdraft, and fraudulent use of the credit card after death.

This is the end of the introduction on how to query the validity period of credit card and how to query the validity period of credit card and card verification code. I wonder if you have found the information you need?