How to treat the issuing time of credit card
If it is a CMB credit card, if your card has never been replaced, the application date and effective date will be displayed in the form of XX (month) /XX (year) under the card number on the front of the card. By the end of the valid month, the validity period is generally 5 years, while the UnionPay Universal Card and UnionPay Gold Card are currently valid for 8 years.