The credit card is displayed as an invalid card, which means that the credit card has expired or is not activated, and it is currently not used permanently. Then why is the credit card displayed as invalid?

1. Inactive: If it is a new credit card, it cannot be used without activation. You need to contact the issuing bank to activate this service.

2. Wear of magnetic stripe: If the card is invalid due to wear of magnetic stripe of credit card, the cardholder can apply to the bank for card replacement.

3. Abnormal use: If the cardholder's own credit card is used abnormally, the cardholder can find out the reasons for the abnormal account and then actively take corresponding measures to solve it.

4. Expiration period: If the credit card has expired, you can go to the bank to apply for a card replacement.

When using a credit card, it is recommended that you pay attention to the validity period of the credit card. When the validity period is coming to an end, contact the bank in advance to apply for a card replacement, so as not to affect the subsequent use of the credit card.

What do you mean by expired credit cards?

Explain that the card has expired, and all credit cards have an expiration date. After the expiration date, you need to reissue the card.

Credit cards have a service life. Usually a new card is two years. The number below the front of the card is the service life. Expired, the card is invalid and cannot be used. Before the credit card is invalidated, the issuing bank will call to see if you still need to use it.

If necessary, a new card will be mailed one month before the information expires, and the new card needs to be reactivated. There are no two cards available this month. Once you see the old card, it will be invalid.

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Credit card related knowledge

1. Credit cards are not allowed to deposit cash in advance, but can be repaid after consumption, enjoy interest-free repayment period, and can be repaid in installments (minimum repayment amount), and join international credit card organizations such as VISA, MasterCard and JCB for global use.

2. Credit card is one of the fastest-growing financial services today, and it is an electronic currency that can replace traditional cash circulation in a certain range. It has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.

Credit card function

1 is a high-tech product integrating financial business and computer technology.

2. It can reduce the use of cash currency.

3, can provide settlement services, convenient shopping and consumption, enhance the sense of security.

4. It can simplify the collection procedure and save social labor.

5. It can promote commodity sales and social demand.

Refer to Phoenix. Com- What should I pay attention to when replacing a new credit card when it expires?

How to recover invalid credit cards?

After the credit card expires, this card can no longer be used and needs to be replaced with a new one. As a cardholder, you first need to confirm whether you will use the credit card again. If you continue to use the card, you can contact the bank customer for confirmation. When the card is not frozen and other abnormal situations, banks will generally issue new cards to cardholders. The function and quota of the new card are the same as those of the original card, but the validity period has changed. The new card received must be opened before it can be used.

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.

(a) credit card application conditions:

1. At least 18 -65 years old;

2. Urban and rural residents who have a fixed occupation and stable income and work in the place where their permanent residence is located;

3. Fill in the application form and sign it in person at the "Signature of the Applicant".

(two) to apply for a credit card, you need to provide the following information:

1. Copies of ID card, work certificate, income certificate, etc.

2. Provide bank deposit certificate, property certificate, degree certificate, etc.

3. If a person is registered in a foreign country, an overseas person applies for a job locally, and an active officer applies for a credit card in his own name, some card-issuing banks may require temporary accounts issued by the local public security department or certificates (including work certificates) issued by relevant departments.

(3) Credit card application is comprehensively evaluated by the system, and there are many reference factors, such as age, job stability, income, personal credit, etc., which are not determined by unilateral factors. Everyone's situation will be different, and it is difficult to compare with each other.

(4) In order to pass the comprehensive evaluation of the system and the judgment of the credit limit. Detailed application materials are as follows:

1. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the company official seal or personnel seal), or a copy of the work permit \ card verified and marked by the sponsor;

2. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove the financial level. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.

What does it mean that my credit card shows invalid card?

Usually, the display of invalid credit card means that the credit card in the cardholder's hand cannot be used normally. There are many reasons for the invalidation of a credit card, among which the credit card is not activated, the magnetic stripe of the credit card is worn, and the status of the card or account is abnormal. If you are not careful, the credit card will have a service life. If the service life is exceeded, the credit card will also show invalid status.

Credit card application

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.

After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.

Credit cards are usually only used by the cardholder himself, and lending them to others is generally a violation of the use contract.

Before the credit card is cancelled, the account balance must be settled, and the whole process of card cancellation must be completed within 45 days after the application.

What is the invalid credit card prompt?

I. Savings card:

1. If it is invalid due to long-term non-use, you can use this card for transaction recovery;

2. If the card is invalid due to damage, you need to bring your ID card to the bank outlet to reissue a new card, and the bank will transfer the balance in the invalid card to a new card.

Second, the credit card:

1. If the card is invalid due to overdue, you need to pay off the arrears first, and then call the bank credit card customer service to apply for restoring the credit card;

2. If the failure is because the bank suspects cashing out, you need to provide proof that it is not cashing out, otherwise it will be difficult to recover;

3. If the card is damaged and invalid, you need to call the bank credit card customer service to apply for card replacement, or go to the outlet to apply for card replacement.

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The advantages of credit cards are as follows:

1, there is no deposit for overdraft consumption, and you can enjoy an interest-free period of 20-56 days. Repayment can be made on time without any charge (most banks will charge 0.05% interest and 2% handling fee on the day of withdrawal, while ICBC will charge no handling fee but interest).

2. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.

3. Special merchants who hold cards in banks can enjoy preferential treatment.

4. National access is barrier-free, and you can withdraw money or spend money on ATMs and POS machines with UnionPay logo.

5, credit card consumption, some credit cards get existing points, a variety of discounts and sweepstakes throughout the year, so that you can always have surprises as long as you use the card.

6. Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses.

7. Free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

8400 telephone or 5-digit short number with prefix 9 provides 24-hour service, and loss reporting takes effect immediately, with zero card loss risk.

9. Use the third-party platform for business cooperation and provide preferential services for cardholders.

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What does it mean that the credit card shows invalid card?

Usually, the display of invalid credit card means that the credit card in the cardholder's hand cannot be used normally. There are many reasons for the invalidation of a credit card, among which the credit card is not activated, the magnetic stripe of the credit card is worn, and the status of the card or account is abnormal. If you are not careful, the credit card will have a service life. If the service life is exceeded, the credit card will also show invalid status.

Extended data:

Credit card application:

If a customer wants to apply for a credit card, he can directly bring personal ID card and income proof (such as bank running water and payroll) and other relevant information to the counter of the offline business outlet of the selected bank, ask the staff to apply for a card, then get the application form to fill in, and then hand the completed form together with the information to the staff, and then wait patiently for the bank to review.

After the bank's approval is completed, it will naturally send a message to inform the customer. If approved, it will make a card for the customer and then mail the prepared card to the customer. Customers can activate the card and use it after receiving it.

Of course, in addition to applying at the outlets, customers can also apply directly at the bank official website, the mobile banking client or the credit card app. However, it should be noted that if you apply for a bank's credit card online for the first time, you may have to go to the bank for an interview afterwards.

Customers should pay attention to keep the phone open after submitting their card application, because some banks may call to ask customers some relevant information during the audit. In this regard, if you don't receive the call in time, it may have a certain impact on the card approval.

Credit card withdrawal:

When applying for a credit card, the bank will approve the amount according to the applicant's comprehensive qualifications, and the credit card can also be used to raise the amount. The method is as follows:

First, more credit card spending.

If you want to increase the credit card limit, you should spend more by credit card. If you can swipe your card, try to swipe it. It is best to keep a stable consumption record for several months before applying for withdrawal, and it is best to swipe your card about 20 times a month. Merchants who swipe their cards should also be diversified.

Second, properly handle the staging.

Appropriate installment is beneficial to credit card withdrawal, but it is best not to be too long, 3 to 6 installments are enough, and the installment amount is not too large. For example, it is very appropriate to apply for installment after spending on some holidays, and the success rate of withdrawal is also high.

Third, make a good record of using the card.

If you want to return the credit card, a good credit card record is essential, because there is no way to return the credit card because there is a bad record on the credit information, so you must repay it on time to avoid illegal operations such as overdue and cash withdrawal.

This is the end of the introduction about whether the credit card expires and whether the credit card expires. I wonder if you found the information you need from it?