In the case of CMB all-in-one card, check the validity period of the card:

① Magnetic stripe card, ordinary all-in-one card and UnionPay gold card have no validity period and are valid for a long time;

② International debit The card and UnionPay Golden Sunflower Card voucher are valid for 3 years, and the validity period is marked on the front of the card.

③One-card IC card is valid for 5-10 years;

④One-card M+ card: IC media card is valid for 10 years, and pure magnetic stripe card is valid for a long time.

Warm reminder that the validity period of the all-in-one card cannot be checked through self-service channels such as online banking, telephone banking, and mobile banking at present; the expiration date of the all-in-one card voucher is marked with the validity year and month on the card surface, and the actual validity period is until the last day of the expiration month. For example, 02/13-02/16 means the validity period is from February 1, 2013 to the last day of February 2016.

Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes. The application of the automatic bank card settlement system has made the dream of a "checkless, cashless society" a reality.

Starting from August 1, 2017, the annual bank card management fee will be cancelled, and some basic financial service charges of commercial banks will be suspended. On April 22, 2019, China UnionPay released the "China Bank Card Industry Development Report (2019)". On August 15, 2020, Baidu Company, Baixin Bank and China UnionPay launched China's first digital bank card - Baidu Quick Pass Card. On August 31, China UnionPay released the first digital bank card "UnionPay Unbounded Card".

On December 2, 2019, the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Dispute Cases" was adopted at the 1785th meeting of the Judicial Committee of the Supreme People's Court. Effective from May 25, 2021 Implementation. It is clear that if the user's bank card is stolen and proves that he is not responsible, he can claim compensation from the bank.

Since the 1970s, due to the rapid development of science and technology, especially the application of electronic computers, the scope of use of bank cards has continued to expand. It not only reduces the circulation of cash and checks, but also fundamentally changes banking business by breaking through the limitations of time and space. The application of the bank card automatic settlement system will make the arrival of a "checkless, cashless society" a reality in the near future.

The 20-year development history of China's bank card industry can be roughly divided into four stages:

The period from 1985 to the early 1990s is the initial stage.

From the early 1990s to the beginning of 1996, it was the stage when branches of various banks in large and medium-sized cities independently developed their bank card business. At this stage, the gold card project was launched.

From 1997 to the end of 2001, it was the stage when China’s bank cards gradually became universal on the Internet.

From 2001 to the present, China’s bank card network is in the in-depth development stage, and the number of bank cards issued by banking institutions across the country has grown rapidly.

Yang Zaiping, full-time vice president of the China Banking Association, said that as of the end of the first quarter of 2010, the number of cards issued in China reached 2.169 billion, a year-on-year increase of 14.9%. The usage rate of bank cards has gradually increased, and card consumption accounts for 30% of social consumption. By the end of 2011, the total number of bank cards issued exceeded 2.85 billion, a year-on-year increase of 18%. Card consumption exceeded 16 trillion yuan, a year-on-year increase of more than 50%, accounting for more than 40% of total retail sales of consumer goods, an increase of about 6 percentage points from 2010. In 2011, there were more than 35,000 new convenient payment outlets across the country, 147,000 new direct-connection acceptance merchants and 210,000 POS machines in secondary cities and towns, bringing the total to 1.08 million and 1.516 million units respectively.

2.2 trillion yuan and 860 million bank card inter-bank transactions were realized throughout the year, accounting for 47.4% and 52% of the national bank card inter-bank transactions respectively. The contribution of transaction amount increased by 2.4 percentage points compared with the beginning of the year.

China UnionPay has jointly launched the Funong Card with various commercial banks. It has been issued by 28 institutions in 28 provinces across the country, with more than 5 million cards issued throughout the year, becoming a new platform to serve "agriculture, rural areas and farmers".