What about the validity period of the credit card?

How to read the validity period of a credit card?

Suppose on a sunny day, you are shopping in the mall, and when you check out, you find that your credit card is unusable and you are penniless. I think the scene must be very embarrassing! Why can't I swipe my card? There is a good chance that your credit card has expired. Today, I will teach you how to read the validity period of credit cards.

How to see the validity period of a credit card is as follows:

A big difference between a savings card and a credit card is that the validity period is printed on the credit card, and the usual format is: ValidFrom07/ 14, ValidThru07/ 17. It means that the credit card is valid from July 20 14 to July 20 17. There are some other expressions, such as: ValidDates, MemberSince, Expires, etc. , but all indicate the validity period.

Chinese logos are rarely seen during the validity period of credit cards. For cardholders who don't know English, what is the validity period of credit cards?

Look for numbers with "/"on the front of the card, such as 10/07, 10/ 10. Such figures are easy to make people wonder, which is the month and which is the year? So please remember that the date of the credit card comes according to the habits of foreigners, that is, the month comes before and the year comes after. Then, the dates indicated by the above figures are June 5438+00, 2007 and June 5438+00, 2065 respectively, in which the smaller year is the date of issuance and the larger year 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 our credit cards are approved.

When you use a credit card to pay for online shopping, you will be asked to fill in the validity period of the credit card. In addition, you don't need to worry too much about the validity of credit cards. The bank will mail the new card to our billing address before it expires, and the new card will be valid for three years. For cardholders who have expired and need to use their credit cards for a long time, they can call the credit card center of the issuing bank in advance to discuss the card replacement in advance. Generally speaking, there is no charge.

What do you think of the validity period of credit cards? I'm here to talk to you. You must be quick-witted! In addition, parents who want to apply for a credit card will introduce the credit card application and give you more choices.

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.

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.

What about the validity period of the credit card?

As we all know, any credit card has its own expiration date. If the expiration date is exceeded, our card will no longer be used.

So, how can I know the validity period of my credit card?

Usually we can see the expiration date of our credit card on the card face.

The number in the lower right corner of the figure is the date of issuance and the validity period of this credit card (some banks will not indicate the date of issuance, but only the validity period of the credit card).

This 08/28-where 08 means August and 28 means 2028. This means that August 2028 is the validity period of this credit card, and it also means the expiration date of this credit card.

The validity period of most bank credit cards is displayed on the lower part of the front of the card. Of course, the expiration date of some credit cards is displayed on the back of the card.

This way of viewing is more suitable when the credit card is around.

We can infer the validity of a credit card from the year it was issued.

The validity period of credit cards in different banks is different, ranging from 3 years, 5 years, 10 years. Suppose we get a credit card in June 2020, and the validity period given by the credit card issuer is 5 years, then the validity period of this credit card is 06/25.

This way of viewing is more suitable for the credit card is not around, but I remember where I am suitable to apply for a credit card and know how many years the credit card is valid.

For security reasons, most banks do not support customers to call customer service to check the validity of credit cards. If you must check, you need to bring your ID card to the bank outlet and pass the identity verification to check the validity period of the credit card.

Credit card, expiration date, CVV2, these information are very important, unless you need to bind credit cards on some regular websites and platforms, it is best not to disclose them casually, otherwise they will be stolen.

Of course, when the credit card is about to expire, the bank will send a text message in advance to remind customers and issue a new credit card in advance. When we receive a new credit card and activate it, the old credit card will automatically expire and we will destroy it in time.

The introduction of how to treat the validity period of credit card and what is the validity period of credit card ends here. I wonder if you have found the information you need?