Everbright Bank inquires about credit cards.

What should I do if the credit card of China Everbright Bank expires?

No matter what grade of credit card it is, it is valid for 3 years. The bank will send a text message or email to the cardholder one month in advance. If the cardholder doesn't want to continue using the credit card, he can cancel the sending of the new card as long as he follows the instructions of SMS or email.

Credit cards cannot be cancelled automatically. Once the credit card expires, the cardholder does not want to continue to use it. He needs to take his ID card and card to the credit card center of the bank where the account is opened to cancel the account.

Otherwise the annual fee will be deducted automatically. If you use a credit card to handle telephone banking and online banking, you need to cancel the telephone banking and online banking before you can handle the card withdrawal business.

Extended data:

First, the validity period of the credit card.

The cardholder's name and expiration date are printed on the front of the credit card, as shown in the following figure:

Second, the validity period of credit cards is set for the following reasons:

(1) Replace the latest card.

The bank ensures that your card is the most advanced by letting you change it, no matter from the use function or security, such as changing a magnetic stripe card for a chip card.

(2) Prevent credit card fraud

When a cardholder uses a credit card, merchants and card issuers need to verify that your credit card is valid. This verification is achieved by swiping the card on the POS and then authorizing it in real time. Credit card criminals are more likely to get the expiration date, and cards without expiration date will be refused to spend.

(3) One-step authentication

When shopping by credit card online or by telephone, the validity period is another verification means besides name, security code and password.

3. How long is the validity of the bank credit card?

ICBC: 3 years

Bank of China: 3 years

Agricultural Bank of China: 3 years, 5 years and 8 years (depending on the card type)

China Construction Bank: 5 years for magnetic stripe card and 8 years for chip card.

Bank of Communications: 5 years

China Merchants Bank: 3 years

Guangfa Bank: 3 years

China CITIC Bank: 3 -5 years (depending on the card type)

Industrial Bank: 5 years

Minsheng Bank: 3 -5 years (depending on the card type)

Citibank: 3 years

Four. Matters needing attention in changing credit cards when they expire.

1, activate the new card in time.

The old card can still be used after the credit card expires, and the old card will be invalid after the credit card expires or the new card is activated. Therefore, be sure to activate the new card in time. Cardholders can activate their credit cards through telephone activation, official website activation and online banking activation.

2. Old cards should be cut and destroyed in time.

Old cards may still be stolen. During the insurance period, the old card should be cut and destroyed in time after the new card is activated.

5. The credit card of China Merchants Bank expires.

1. China Merchants Bank credit card is valid for three years. About one month before the expiration, China Merchants Bank will remind cardholders to change their credit cards by SMS or email, and ask them to confirm the delivery address.

2. After the delivery address is confirmed, China Merchants Bank will send your credit card by registered mail. At the same time, China Merchants Bank Credit Card Center will inform the code of the registered letter by SMS, and the cardholder can check the status of the letter in official website Post Bar.

China everbright bank official website-help center

Baidu Encyclopedia-Validity Period

Where can I see the expiry date of Everbright Credit Card?

Everbright Credit Card is valid on the front of the credit card. The display form of the validity period is MM/YY, with the month in front and the year in the back. For example, the validity period is 04/20, which means that the card will expire in April 2020.

If the card is not with me, you can call the customer service hotline of China Everbright Bank to find out how long the credit card under my name is valid.

Credit card is one of the fastest-growing financial services, which can replace the traditional cash circulation to a certain extent. Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.

Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.

The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

Although banks emphasize the interest-free period when promoting credit cards, most people are not very clear about the rules of interest-free period, thus spending a lot of money. Maybe this is nothing in real life, but banks don't think so. Consumers have to pay interest if they fail to repay in full, and do not enjoy the interest-free period (daily interest = the interest rate of the remaining unpaid amount of the day). It is recommended that you pay in full when you repay, so as not to cause greater losses.

Every credit card has a hidden overdraft limit. When you swipe your credit card, it's easy to use the over-limit line. Once the overrun is used, it means paying a high overrun fee. Many consumers have a bad grasp in the process of shopping, and credit cards are often maxed out. I suggest you apply to the bank in advance to increase the temporary limit, which will not only avoid the explosion of credit cards, but also increase the credit limit.

In daily life, we often encounter invalid situations. At this time, you can choose the minimum repayment limit to repay, which can ensure that your personal credit record will not be affected, and there will not be too many late fees. However, it is important to note that the minimum repayment amount must be paid in full, otherwise you will encounter a high late payment fee.

How many years is the credit card of China Everbright Bank valid? What should I do when it expires?

Everbright Bank is one of the banks that people like very much. Many people have applied for the credit card of China Everbright Bank, which will be used for consumption in daily life. Friends who have credit cards know that the use of credit cards has a time limit. Then, how many years is the credit card of China Everbright Bank valid? What should I do when it expires?

How many years is the credit card of China Everbright Bank valid?

The validity period of Everbright Bank credit cards is basically three years, but some cards are valid for five years, and the validity period will start from the day when the cards are approved, so the validity period of Everbright Bank credit cards is different for everyone. But the validity period is marked on the credit card, and the number displayed in "XX/XX" format on the credit card is the service life of your credit card.

What should I do if the credit card of China Everbright Bank expires?

Banks usually notify customers before the credit card expires, so if you want to continue using it, you just need to confirm your delivery address, because if your mailing address changes, please tell the bank so that the bank can send you a card.

So there is no need to go through any formalities when the credit card expires. The bank will issue a new card to the customer. You just need to activate it, then cut it off and discard it. However, if you haven't received a new card when it expires, you should contact the bank in time.

The credit card of China Everbright Bank is generally valid for three years. After three years, the bank will inform you in advance. If you want to continue using it, just tell the bank your current address and the bank will send you a card.

What does the validity period of Everbright Bank's credit card mean?

The validity period of a credit card refers to the validity period of this credit card.

The validity period of a credit card is usually expressed as "month/year". For example, "12/ 18" means that the validity period is 20 18 12 3 1.

Usually credit cards are valid for three years, but there are also five years.

Exceeding the time limit means that the card can no longer be used and the validity period of the credit card cannot be changed.

Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, English or pinyin name, activation date (generally calculated to month) and effective date (generally calculated to month). The chip is attached to the front of the newly issued card, and the chip account and the card magnetic stripe account are two relatively independent accounts.

Extended data:

Banks issue short-term credit cards mainly to control risks. The financial situation of cardholders is constantly changing. After the card expires, the bank can decide whether to continue issuing the card according to the cardholder's usage. If the cardholder maliciously overdraws, it will lead to the formation of "bad debts" and further damage the interests of banks. However, by setting the "validity period", this part of bad debts can be reduced in time and the loss of bank profits can be reduced.

When a credit card expires, you must first confirm whether it will be used again. If you continue to use the card, you can contact the bank customer for confirmation. When the card is not frozen and other abnormal situations, banks will generally issue new cards to cardholders. The function and quota of the new card are the same as those of the original card, but the validity period has changed. The new card received must be opened before it can be used.

Baidu encyclopedia-credit card

How to renew the credit card of China Everbright Bank when it expires?

Everbright Credit Card will be automatically renewed when it expires, and the bank will mail you a new credit card. You can activate it after receiving it. Don't forget to cut off the old card, so as not to lose it and cause information leakage. If your inactive credit card expires, in this case, the card will be invalidated directly and cannot be replaced.

If the cardholder does not want to change a new card upon expiration, he shall notify the card issuer at least 1 month before the card expires. Otherwise, China Everbright Bank will consider the cardholder (cardholder) to voluntarily replace the new card when it expires. If a new card is used, the cardholder must settle all debts under the credit card.

Extended data:

The validity period of the credit card of China Everbright Bank can be viewed on the front of the credit card, usually marked as "xx/xx". For example, 09/ 19 means that the validity period of this card is 2065438+September 2009.

The credit card of China Everbright Bank is valid for three years and five years. Generally, after the expiration date, the card can no longer be used. It is suggested that cardholders pay attention to the validity period of credit cards in time, and try to replace new credit cards at the outlets of China Everbright Bank before the expiration.

China Everbright Bank-Credit Card Collection Contract

What does the validity period of China Everbright Bank 12/22 mean?

The validity period of China Everbright Bank is 12/22, which means that 22 stands for 2022, and 12 stands for 12, and the validity period is 12 in 2022.

China Everbright Bank Credit Card Validity Period:

The validity period of the credit card of China Everbright Bank is not uniform, which is generally divided into three years and five years. Cardholders can see the expiration time of the credit card on the front of their cards.

Note: The reason why banks set the validity period of credit cards is not only to reduce vacant waste, but also because cardholders will wear the magnetic stripe when they use credit cards for a long time.

Everbright Bank Credit Card Validity View:

The validity period of the credit card of China Everbright Bank is marked on the front of the card, below the 16-digit credit card, and consists of four numbers. The first two represent months and the last two represent years. For example, 04/ 19 means that the credit card is valid until April 20 19.

Everbright Bank Credit Card Expires:

Everbright Bank will call the cardholder about one month before the credit card expires, asking whether the cardholder needs to continue mailing the new card. After obtaining the cardholder's consent and checking the delivery address, the bank will mail the new card to the designated address.

If the cardholder's permanent address changes when he receives a replacement card call at the expiration date, he must update the receiving address in time to avoid the situation that the new card is "lost".

If you don't want to apply for a new card when it expires, you need to inform the bank one month before the card expires, otherwise the bank will continue to issue you a new card and charge you an annual fee and a business card printing fee.

Note: If the cardholder is unwilling to get a new card when it expires, all the debts of the credit card need to be settled.

Scope of application of China Everbright Bank's credit card replacement upon expiration:

1. As of two months before the expiry date of Everbright Bank's credit card, the inactive Everbright Credit Card cannot participate in the card replacement activities.

2. As of the two months before the validity period of the credit card of China Everbright Bank, no credit card user has used the credit card for one year (including one year).

Everbright Bank Credit Card Expiration Reissue Fee:

The fees for new credit cards of China Everbright Bank are generally 20 yuan (unlimited cards, diamond cards and platinum cards are free).

The charging standard of some special cards is subject to the regulations of the bank, such as the cost of DIY card in 50 yuan; The charge for the Beauty Perfume Card is 15 yuan.

If express delivery is required, you also need to pay 20 yuan express delivery fee (unlimited cards, diamond cards and platinum cards are free).

Matters needing attention during the validity period of China Everbright Bank credit card:

1. Everbright Credit Card may be swallowed if it is not replaced after its expiration.

2. After the expiration of Everbright Credit Card, although the card is invalid, the magnetic stripe on the card still records the personal information of the cardholder. I suggest you cut it with scissors to avoid information leakage.

3. The new card will be consistent with the original card in terms of account information such as quota, function and points.

Everbright's inquiry about the validity period of credit cards ends here.