Under normal circumstances, the issuing bank can provide cardholders with two card changing methods: "changing cards without changing numbers" or "changing cards for changing numbers". If you don't want to change your card, you can also cancel your account.
In addition, some card-issuing banks also provide cardholders with the card replacement service of "online application and mailing to home".
Take ICBC as an example. Cardholders can log in to ICBC Mobile Banking, click Favorites-My Account-More-Change the card without changing the number, and change the card online according to the prompts.
Take Bank of Communications as an example. Cardholders can log in to the mobile banking of Bank of Communications, find the card that needs to be replaced due in My-My Card Package-Bank Card Management, and click "Replace IC Card Due" to apply for card replacement online.
Debit card refers to the bank card issued by the issuing bank to the cardholder without credit limit, and the cardholder deposits first and then uses it.
Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. A Special card is a debit card that is used in a specific area and has a specific purpose (except for department stores, restaurants and entertainment industries), and has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.
From August 1 2007, the annual management fee for bank cards was cancelled, and some basic financial service charges of commercial banks were suspended.
Debit card refers to a bank card without overdraft function that can be consumed (or withdrawn) after deposit. The functions of debit card include basic functions such as transfer settlement, cash deposit and withdrawal, shopping and consumption. It has also added many functions such as transfer, trading funds, stock trading, payment, and provided many value-added services. Debit cards can also be withdrawn by ATM_ transfer, and cannot be overdrawn. The amount in the account pays interest according to the current deposit.
A debit card is what we call a savings card. Both of them point to the same thing, but we are used to calling them savings cards in our lives, which are named from the perspective of cardholders' savings and financial management, while debit cards are named from the perspective of bank expenditure records.
Debit card is a technical term, you can't overdraw, you need to deposit first and then withdraw money or spend. Debit cards are different from credit cards that can be overdrawn, that is, credit cards. Savings card is a common name for debit card. Debit cards have many functions, such as current deposit and withdrawal, fixed deposit and withdrawal, payroll payment, purchase of national debt, fund management, signing third-party depository, electricity purchase, telephone payment, credit card consumption, online banking inquiry, transfer, payment and online payment.
Features:
Ease of use and popularity: Debit card is one of the most commonly used payment tools in e-commerce because of its ease of use and wide popularity. More than 20 million outlets around the world accept signature debit cards from some international brands. Ease of use is one of the reasons why debit cards are more and more popular than Bank of Communications debit cards.
Debit card can not only save you the trouble of carrying cash, but also be convenient to use and pay quickly. The monthly statement (or statement) can clearly show all transaction records.
Safe and reliable: Debit cards are as safe as credit cards. If your debit card is lost or suspected of being stolen, you should report the loss to your bank immediately to prevent others from stealing and reduce losses. Remember: the issuing bank provides you with consumer protection, which does not mean that you can care about your debit card; Debit cards, like money in bank accounts, should be properly kept.
Answered on February 7, 2022
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What do you mean the bank card is expired?
The expiration of the bank card means that the service life of the card has exceeded. Most bank cards have a service life, which will be printed on the front of the card and displayed in the format of "month/year". For example, "12/20" means that the card is valid for 12 in 2020. Generally speaking, after the bank card expires, users need to contact the bank to replace a new card. Some bank credit cards will automatically issue new cards three months in advance. After the user receives the activation of the new card, the old card becomes invalid. It is also possible that the bank card will be cancelled because the balance in the card is not enough to pay the annual fee. If it is a savings card, that is, you need to save money to use it, there is generally no concept of bank card expiration, unless the banking system of your card has changed greatly, but in this case, you will be informed to replace the new card, and the bank card number may change, but the bank account number is still the same. Therefore, ordinary bank cards will not expire if they have a balance. If there is no balance in the card and it exceeds the time limit set by the bank, the general bank will cancel the bank card. If there is enough money in the card, the bank card can be used normally after the system deducts the annual fee. Bank cards are mainly divided into credit cards and debit cards, which have different validity periods. First, the validity period of credit cards is determined by banks, so the validity period of credit cards in different banks is different, and the validity period of different cards is also different. However, most credit cards are valid for about 3 to 5 years, and some credit cards can be valid for up to 8 years. And if you want to know how long your credit card is valid, you can check it directly on the card face, because the card face of each credit card will indicate the card's use period. Second, debit cards, like credit cards, have a validity period, but the validity period of debit cards is generally longer than that of credit cards, which is basically about ten years. You can also see the validity period on your debit card. The other part of the magnetic stripe debit card may not have a deadline, but now the magnetic stripe card is no longer issued, so I suggest you change it to a chip card.
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Excuse me: What do you mean by bank card expired? Why?
An expired bank card means that the card has exceeded its validity period. 1. The validity period of the standard UnionPay debit card is printed below the card number, on the right side of the card center, near the UnionPay logo and in front of the symbol CN, usually in the format of MM/YY. 2. Some banks print the date of issue. Are all substandard practices. UnionPay debit card is valid for 50 years.
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