The validity period of most credit cards in China is below the front, which generally consists of two groups of numbers and slashes. For example, 04/22 means that this credit card will expire in April 2022. Before this date, the cardholder can replace the new card. In fact, the bank will take the initiative to contact the cardholder to replace the new card one month before the expiration.

The main reason for setting the validity period of credit cards is to ensure the security of credit cards. With the progress of science and technology, the anti-counterfeiting ability of cards needs to be further improved to further improve the security of cards. There are also many online transactions in which the validity period of credit cards is entered, so it is very important to protect them at ordinary times.

After the credit card expires, the bank will mail a new card. Generally, you can get a new card in about 10 days. After the new card is activated, the old card is invalid. At the same time, it is generally necessary to reset the new query password and transaction password. The billing date and repayment date of the new card remain unchanged, and the transaction records of the old card are inherited.

The credit card will expire soon. If you don't want to continue using it, you can cancel it directly. Cardholders can directly call the bank's customer service hotline, and generally need to verify the cardholder's basic information when handling. Also, all debts must be paid off when canceling, and overpayment is not allowed. At this time, the customer service of the bank will help you submit your application. Generally, you can check whether the cancellation is successful again after 45 days.

Credit cards are valid, which is good for both banks and users.

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.

Where can I see the expiration date of the credit card?

The expiration date of a credit card is the validity period, which is located at the lower part of the front of the card. Below you can see four numbers, and there will be a diagonal line between the two numbers, which is the validity period of the credit card. Generally, the month is in the first two places and the year is in the last two places. For example, 0 1/24 means that your credit card will be valid until 2024.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.

Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

According to the "20 13-20 17 report on the in-depth investigation and investment strategic planning of China's credit card industry", since 20 10, the China government has implemented a prudent monetary policy and adopted a series of moderate austerity measures to curb the excessive rise of asset prices and control inflation, which shows that macro-prudential and strengthening capital supervision have become the supervision of China's banking industry.

The analysis shows that the evolution of the industry structure has further optimized and diversified the product portfolio, and also increased the research and development of new industry standards and mobile payment; Deepen credit penetration; Staging business is developing in depth.

20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, the average annual growth rate of credit card issuance in China will remain at around 65,438+04% in the next 65,438+00 years, and the profitability will also tend to improve. It is estimated that by 2020, the cumulative number of credit cards issued in China will exceed 800 million.

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 four digits on 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.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

Where is the credit card valid?

Generally, the validity period of a credit card is below, the month is in front and the date is behind. The general formats are "ValidFromXX/XX" and "ValidThruXX/XX", where the front side indicates the issuing time of the credit card and the back side indicates the expiration time of the credit card.

If you don't understand English, you can look for the "/"symbol on your credit card. A * * * has two dates, the younger is the date of issuance and the older is the period of validity. Generally, credit cards are valid for three to five years. Generally, you need to fill in the validity period of the credit card when you spend online. If it's overdue, it can't be spent. Because of frequent use, credit cards are time-limited, which easily leads to wear and tear and cannot be used.

Everyone's financial resources are constantly changing, and the three-year period allows banks to decide whether to continue to apply for new credit cards for users according to the cardholder's card use; Credit cards will continue to be upgraded, and some banks may upgrade credit cards from magnetic stripes to chips in order to make credit card consumption safer.

After the credit card expires, you will receive a SMS reminder from the bank, provided that the original reserved mobile phone number is still in use. After receiving the text message, check your credit card and call the bank customer service. You should have called in advance. After confirming the basic information and delivery address, reissue the new card. After receiving the new credit card, it was different, and it was not activated. The old card can be used before the new card is activated.

Pay attention to the integral of the old card before activation. Although some banks can transfer the points from the old card to the new card, they will deduct some of them. Generally speaking, if the old card expires, the bank will automatically mail the new card after checking the user's credit status. After the new card is received, the old card should be destroyed in time. If you discard it at will, you may steal personal information. If you don't want to use your credit card after it expires, you can cancel it in time, so that the bank won't automatically mail a new card.

Credit card is one of the payment tools we often use. Credit cards generally have a validity period, but different cards have different validity periods.

It is actually very easy to check the validity period of a credit card. Because the card face of each credit card will directly indicate the validity period of that card. So if you want to check the validity period of a credit card, just turn it out and find the date marked on the card face.

The validity period of credit cards is generally marked below, which is easy to find. The usual format is: "ValidThru××/××/××/×××". In other words, if your credit card is marked "ValidThru06/20", it means that your card will expire in June 2020.

Of course, some credit cards will not only indicate the expiration time of the validity period, but also indicate the start time of the validity period. The format is "ValidFrom××/××, ValidThru××/××". In other words, if your credit card is marked with "ValidFrom06/ 15, ValidThru06/20", it means that your card is valid from June 20 15 to June 2020.

This is the end of the introduction about where the credit card is valid and where the postal credit card is valid. I wonder if you have found the information you need?