What about the validity period of ICBC credit card?

Where can I see the validity period of the ICBC card?

The validity period of a credit card is embossed on the front of the card, with the first two digits being the month and the last two digits being the year (such as MM/YY). You can check the validity of the card by the information printed on it.

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/after expiration.

Tips:

Chip debit cards are valid for less than 6 months. When handling business through ATM, smart terminal, online banking and mobile banking channels, you will receive a prompt that "the card is about to expire". Please apply for a replacement card as soon as possible.

(Answer time: 2021September 17. In case of business change, please refer to the actual situation. )

How to see the validity period of industrial and commercial bank cards

The validity period of ICBC debit cards is generally 10 years, and the corresponding validity period will be directly displayed on the cards of bank cards.

The validity period of ICBC credit cards is generally 3-5 years, and users can directly check the specific expiration time of credit cards on the card surface.

Industrial and Commercial Bank of China (ICBC) was established in June 1984 65438+ 10/. The head office is located at No.55 Fuxingmennei Street in Beijing, which is a large state-owned bank managed by the central government. The basic task of China Industrial and Commercial Bank is to raise social funds through financing activities at home and abroad, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction.

The three-dimensional e-banking service system of China Industrial and Commercial Bank, which consists of self-service banking, telephone banking, mobile banking and online banking, has become increasingly mature, and the transaction volume of e-banking business has increased rapidly, from 1.93 trillion yuan in 2000 to 38.4 trillion yuan in 2004, an increase of 20 times. In 2004, e-banking business income was 235 million yuan, and online payment transaction volume was 5.7 billion yuan. China is the largest e-commerce online payment service provider.

20 17 In February, BrandFinance released the list of top 500 global brands on 20 17, and China Industrial and Commercial Bank ranked 10. On June 20th, 20 18, the analysis report of China 500 Most Valuable Brands was released, and China Industrial and Commercial Bank ranked 4th. 20 18 in July, the British "Banker" magazine published the list of the top global banks 1000 in 2065 438+0008, and China Industrial and Commercial Bank ranked 1.

20 18 ranked 26th in the Fortune Global 500. 20 18 12 18 The Top 500 World Brands compiled by the World Brand Lab was announced on 20 18, and China Industrial and Commercial Bank ranked 43rd. 2065438+On June 26th, 2009, eight banks including China Industrial and Commercial Bank launched the first batch of enterprise information networking verification systems.

In July of 20 19, it was selected as the Fortune Global 500 in 20 19, ranking 26th. 20 19 12, China industrial and commercial bank was selected as China brand power festival 100 brand 20 19. On 20 19 12 18, People's Daily released the China Brand Development Index 100 list, and China Industrial and Commercial Bank ranked 9th.

20201October 4th, 65438, won the evergreen award of Caijing 2020 "Sustainable Development Benefit Award". In March, 2020, it was selected as the 6th in the Top 500 Global Brand Values in 2020. In August 2020, the Fortune Global 500 list was released, and China Industrial and Commercial Bank ranked 24th. On September 28th, 2020, he was selected as one of the top 500 Chinese enterprises in 2020, ranking fifth.

Validity period of industrial and commercial bank card

ICBC cards can be divided into debit cards and credit cards, and their restrictions are also different, as follows:

1. Generally, the validity period of ICBC debit cards is 10 years, and the corresponding validity period will be directly displayed on the cards of bank cards.

2. ICBC's credit card is generally valid for 3-5 years, and users can directly check the specific expiration time of the credit card on the card surface.

ICBC's credit card is the credit card with the highest circulation in China. The main types of ICBC's credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card; ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards.

Card classification:

Peony quasi-credit card is a quasi-credit card issued by Industrial and Commercial Bank of China. Cardholders deposit a certain amount of reserve fund according to regulations, and when the balance of the reserve fund account is insufficient to pay, they can overdraw within the prescribed credit limit. Peony quasi-credit card can be used in China, Macau, China, China, and UnionPay acceptance points in Thailand, South Korea, Singapore and other countries for settlement, and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on. This peony quasi-credit card is a quasi-credit card with China characteristics, which has no precedent in other countries in the world. The appearance of this quasi-credit card is a reflection of the imperfection of China's credit system. Peony quasi-credit card has stopped issuing. Peony Credit Card and Peony International Credit Card, which truly meet the needs of the public, are the development direction.

Peony International Credit Card:

Peony International Credit Card is an international credit card product launched by Industrial and Commercial Bank of China. International cards are commonly used at home and abroad, and are settled in RMB and a designated foreign currency. Peony International Card adopts the circulating credit transaction mode, and overdraws consumption within the credit limit. If you repay in full before the due date, you can enjoy the interest-free repayment discount. This card is universal.

Peony credit card:

Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. The credit card adopts the circulating credit transaction mode, and overdraws consumption within the credit limit. If you repay in full before the due date, you can enjoy the interest-free repayment discount. Peony Credit Card can be used in China, Hongkong, China, Macau, China, and UnionPay acceptance points in Thailand, South Korea and Singapore. It is settled in RMB and has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and so on.

Peony credit card:

Peony Credit Card is a credit card issued by Industrial and Commercial Bank of China, which is limited to RMB credit cards used in People's Republic of China (PRC). Settlement in RMB, with credit consumption, transfer settlement, cash deposit and withdrawal and other functions. Peony credit cards are divided into business cards and personal cards according to different card issuers; According to different credit ratings, it is divided into gold cards and ordinary cards.

China Industrial and Commercial Bank Credit Card Validity Period

ICBC credit cards are generally valid for 3 to 5 years, and some chip cards may be valid for 8 years, and the longest period shall not exceed 10 years. The specific provisions are as follows:

1. Credit card: the maximum validity period of magnetic stripe card is 5 years, the maximum validity period of Unionpay single logo chip card is 10, and the maximum validity period of1/dual brand card is 8 years, except for special card types;

2. Quasi-credit card: generally 5 years.

The validity period of the credit card is clearly marked on the front. The validity period of a credit card is generally marked under the credit card. The format is "month/year". The first two digits are the month and the last two digits are the year. You can check the validity of the card by the information printed on it. For example: 1 1/24, with the specific month in front and the specific year behind, indicating that the credit card is valid until 2024 1 1 month, and the credit card will be invalid from 2024 1 1 month.

What is the use of setting the validity period of credit cards?

Many people don't understand that the meaning of credit card is to make it convenient for people to use when spending. Doesn't setting the validity period increase the trouble of using the card? In fact, it is necessary to set the validity period for the following reasons:

1, to ensure the normal use of credit cards. First of all, credit cards have a service life, and usually credit cards are subject to daily wear and tear. In particular, credit cards with keys or some sharp metals are more likely to hinder the use of credit cards. Secondly, credit cards will accumulate dirt and so on as they are used, which will cause certain damage to credit cards. Setting the validity period of the credit card allows the cardholder to take the initiative to change a new card at the bank after the card expires to ensure the normal use of the credit card.

2. Increase the security of credit cards, reduce risks and prevent credit card swiping. Nowadays people are used to the life of "no card and no cash". Many people don't carry credit cards with them. If the credit card is not kept properly, it will be forged by criminals, which will increase the financial risk of the cardholder. The validity of credit cards can make some forgotten credit cards automatically invalid, thus losing potential financial risks.

3. System upgrade. Banks will upgrade the function of credit cards, and setting the expiration date will allow people to replace new cards in time, which will increase the function and security of the cards.

So much for the introduction of the validity period of ICBC credit cards.