How long does it take to use a credit card?

What about the validity period of the credit card?

What about the validity period of the credit card?

Users who use credit cards know that credit cards have a certain period of use, and they can't continue to use them after the expiration. If they want to continue to use them, users must change their cards. Usually, before the credit card expires, the bank will contact the cardholder to change it.

Some credit card users don't know how to read the validity period of credit cards. In fact, the validity period of a credit card is on the card face, and the format is "month/year". For example, the number 12/ 19 is printed on the card face of a credit card, indicating that the credit card can be used until June 65438+February 3 1, 20 19. Credit cards of different banks have different validity periods. Usually credit cards are valid for 3-5 years, and some credit cards are valid for 6 or 8 years. You can check the validity period of your credit card on its face.

How to change a credit card when it expires?

Usually, the bank will remind the cardholder to change the card by SMS or telephone before the credit card expires. If users don't want to use their credit cards any more, they need to explain the situation to the bank in advance, so that the bank won't mail new cards to users. If the user doesn't explain to the bank that he doesn't want to use the credit card any more, the bank will take the initiative to mail the user a new card. If the payment address of the credit card changes, the user can modify the mailing address in the following ways:

1. Go directly to the bank counter to explain the situation to the bank staff and modify the address;

2. Modify the credit card mailing address through online banking;

3. Download the credit card mobile APP to modify the address, such as China Merchants Bank credit card, you can download China Merchants Bank Pocket Life to modify the mailing address;

4. Credit card official WeChat official account changes the mailing address. At present, most banks have their own WeChat official accounts, and some banks can also modify the mailing address of credit cards through WeChat official accounts.

After the credit card expires, the cardholder should pay attention to the following matters.

1. Contact the issuing bank one month in advance. It takes time to make and mail credit cards. If the cardholder wants to continue to use the credit card, it is recommended to contact the bank one month in advance to apply for a new card to avoid the situation that the old card expires and the new card is not received.

2. Even after receiving the new card, it will be activated, because after the new card is successfully renewed, the old card can continue to be used before the expiration date, and the old card will be invalid after the new card is activated;

3. Cut and destroy old cards in time. After the new card is activated, the old card will not be used, but it may still be stolen. Users are advised to cut the old 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?

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 service life of credit card (debit card)? What should I do when it expires?

Credit card (debit card) has been close to people's daily life. Many people are using credit cards (debit cards), but many useful basic information of credit cards (debit cards) has been forgotten by everyone.

For example, a credit card (debit card) is different from a debit card in that it has a service life. Before the service life expires, it needs to be replaced at the issuing bank before it can be used normally.

So why do credit cards (debit cards) have an expiration date? What if it expires? After the credit card (debit card) expires, these operations are very important and can help you reduce a lot of trouble.

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How to check the service life of credit card (debit card)?

Once the credit card (debit card) expires, you can't spend it by swiping it. You must send the card back to the bank, otherwise you will have to pay the annual fee for the credit card (debit card). It is not difficult to check the validity period of credit card (debit card). One is to look at the paper in the mail sent to you by the bank, which indicates your bill date, repayment date, credit card (debit card) term and specific expiration date.

Another is to find the number with "/"on the card face of the credit card (debit card), such as 05/23, and the number after it indicates the year before the month, because the credit card (debit card) is imported from abroad and the marking is in accordance with foreign practices. So 05/23 means that the credit card (debit card) will expire in May 2023. Generally speaking, the term of credit cards (debit cards) issued by major domestic banks is 3 to 5 years. If you want to know the specific date, you can call the bank staff or go to the bank counter for advice.

First, adjust the credit card (debit card) quota.

Everyone knows that it is not a one-off event to withdraw cash from credit cards (debit cards). Many times it is necessary to apply to the bank, and some people don't do it because they are too troublesome. After the credit card (debit card) expires, the bank will reissue it for you. At this time, it will make new quota adjustment according to your past consumption records, current economic ability and personal credit information. As long as you don't use a credit card (debit card) maliciously, such as overdue, the bank will generally increase your quota and upgrade your card. You will be happy after seeing the cool card, and you will have a desire to spend, so the bank will be happy.

Second, improve the security of credit cards (debit cards).

When using a credit card (debit card), it is easy to cause the credit card (debit card) to be stolen if preventive measures are not taken carefully. The credit card (debit card) swipes the card on the pos machine and is bound to the software used by the credit card (debit card), so it is necessary to verify the limited period to further verify the security of the extra copy. Moreover, after the expiration of the limited period, it will be refused to spend, which can prevent the card thief from always doing something wrong. In addition, the credit card (debit card) is used for a long time, and the magnetic stripe and other related information will wear out and its function is not advanced. After replacement, the use function of credit card (debit card) can be increased to facilitate the daily consumption of cardholders.

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What should I do after the credit card (debit card) expires?

Generally speaking, when your credit card (debit card) is about to expire, the bank staff will take the initiative to contact you and ask you to replace it with a new card. However, it takes time for the bank to readjust the quota, handle the card and send it back, so you'd better contact the issuing bank one month in advance and ask for a replacement card. This is better for cardholders who have changed their work and home addresses, so that banks can clearly know the cardholder's delivery address. This is crucial, the bank will not make mistakes, nor will it affect the normal use of the card.

During the period when a credit card (debit card) expires and a new card is replaced, the old card can still be used, but there are still risks. Don't disclose all the information of the card during the insurance period. After you get a new card, you can activate it by phone or online banking. After activation, the old card can no longer be used. You'd better cut out the magnetic stripe of the old card. Finally, I have to explain that the credit card (debit card) will be automatically cancelled after it expires, but only the card will be automatically cancelled, which means that the card will be automatically unusable, but the account you applied for in the bank is still there. If you want to cancel, you need to apply yourself.

Protecting all the information of credit card (debit card) is the safest way to use the card. In the process of using credit card (debit card), it is best not to disclose the relevant information of the card to ensure the safety of your property. At the same time, although credit card (debit card) can make you happy in sales, you should also spend rationally, repay on time and don't be overdue!

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?

The validity period of the credit card is printed below. VALIDTHRU is the validity period of the credit card, that is, the validity period of the credit card. Date format is month/year. For example, VALIDTHRU 12/ 10 means that the credit card is valid for 20 10 65438+ February.

Credit cards in China are generally valid for 3-5 years. You can see the expiration date on the credit card. Then when the credit card expires, the use of the credit card will be restricted, and it will be impossible to withdraw money and spend freely; 2. The credit card is still valid when it expires, and it can be repaid by credit card; 3. Note: The validity of the credit card does not mean cancellation, and an annual fee may still be charged; After the credit card expires, the cardholder can continue to use or cancel the credit card according to his own situation. If you intend to continue to use it: In foreign countries, banks will issue a new card to cardholders before the credit card expires. However, due to the worry about mailing, the practice of domestic banks is mainly divided into two ways. 1. You need to go to the bank to get it yourself. For example, ICBC's credit card expires: Peony Card Center will automatically change your card before the card expires 1 month, and international credit cards, debit cards and credit cards will automatically deduct the annual fee from the card through the system. You can apply for a new card through the 24-hour service hotline 95588, and the international card service hotline is 0 10-95588. (If you don't want to change your card for the time being, please inform ICBC through the 24-hour service hotline 1 0 months before the card expires. ICBC can reserve a certain period for you. If you need to continue to use the card in the future, you can contact the card replacement through the 24-hour service hotline. The validity period of CCB credit card is up: Longka credit card is valid for three years and will be invalid when it expires. The issuing bank provides cardholders with automatic card replacement service at maturity. (If the cardholder fails to change the card upon expiration, he shall notify the card issuing bank in writing or other forms recognized by the card issuing bank one month before the expiration of the card validity period. However, after the card expires, the outstanding creditor-debtor relationship under the Longka credit card account is still valid. ) 2. The bank will issue you a new card directly. For example, after the validity period of Minsheng Bank Credit Card expires, the validity period of Minsheng Credit Card is 3 years, and the validity period will be indicated on the front of the card. Minsheng Bank will take the initiative to issue you a new card before your card expires, and there is no need to go through any formalities. After the validity period of CMB credit card expires: CMB credit card is valid for 3 years, and a new card will be issued every 3 years. The front of the card indicates your expiration date. The credit card center will send you a new card by registered mail before your card expires, without any formalities. Matters needing attention after receiving the new card 1 The new card needs to be activated before it can be used; 2. For the sake of safety, please sign on the back of the credit card and cut off the old card without sending it back to the bank; 3. The debts and points of the old card will be transferred to the new card. If you don't use it after the expiration, if you decide not to use it, you'd better inform the bank one month in advance. Some banks will give cardholders a replacement notice before the credit card expires. For credit cards that are no longer used after expiration, the cardholder can sign the receipt and send it back to the bank within the specified time, and the bank will stop issuing new cards. In addition, for cardholders who are going to send back the receipt without changing their cards, don't send the credit card in the receipt. In the future, they must show their credit cards when they cancel their cards. When handling credit cards, these things are all detailed in the application form contract given by the bank to customers. As long as everyone pays attention, there will be no unnecessary trouble.

This concludes the introduction on how to read the credit card used by Takuwa. Did you find the information you needed from it?