Push time of bank card expiration reminder

Usually they arrive on time, and sometimes they are pushed off the next day.

1. Whether the general bank card will be reminded when it expires depends on the bank regulations. Some banks will remind customers by email, SMS or letter some time in advance when the card replacement is due. In addition, it is free to change the new card. If the relevant information changes, it is recommended that you inform the issuing bank to update it as soon as possible. Personal account SMS notification service: Real-time SMS can usually ensure timely arrival of accounts. For mass short message concentration, it will lead to delay; In addition, in order to avoid disturbing customers' rest at night, debit SMS was sent in batches the next day. The above contents are for your reference. Please refer to the actual business regulations.

2. Bank cards can be divided into debit cards (savings cards) and credit cards (credit cards), among which debit cards (savings cards) have no validity period. However, there is a wealth management card for VIP customers. Although it is a debit card (savings card) on the surface, it has a validity period. The validity period of different cards in different banks is different, usually 3-5 years.

Generally speaking, the expiration date is marked on the card surface. For example, 12/08, the validity period is 12,31,2008. According to industry practice, the validity period only shows the month and should include the current month. In other words, the card that expired in February 65438 is displayed, and the validity period is as of February 3 1 day at 24: 00. However, I would like to remind you that due to the problems related to the new card processing and card replacement cycle, in order to avoid the related business being affected, it is recommended to set aside the card replacement time in time before the bank card expires.

1. Impact of expired bank cards: Credit cards or some wealth management cards cannot be processed after the use date, such as consumption, payment, withholding, ATM withdrawal, etc. , but deposits and transfers are not affected.

2. The reasons for setting the validity period of the bank card are as follows:

1) From a physical point of view, physical cards, as a payment medium, are used frequently and will be worn out after long-term use. This is to set a reasonable validity period and avoid the card from being affected by wear and tear. 2) Bank audit. The financial situation of cardholders is constantly changing. Whether it is a credit card or a wealth management card, banks need to re-evaluate whether to continue issuing cards after the card expires.