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【速搜问答】信用卡未激活多长时间会注销

问答 admin 9个月前 (03-21) 127次浏览 已收录 0个评论

汉英对照:
Chinese-English Translation:

信用卡未激活不会在有效期内自动注销的。一般来说,信用卡的有效期为3-5年(具体有效期在信用卡卡片上有说明),您可以在这3-5年里的任意时间进行激活,但如果超过卡的有效期还没有进行激活,则该信用卡视为作废处理。

If the credit card is not activated, it will not be automatically cancelled within the validity period. Generally speaking, the validity period of a credit card is 3-5 years (the specific validity period is specified on the credit card). You can activate the card at any time during the 3-5 years. However, if the card has not been activated beyond the validity period, the card will be deemed invalid.

信用卡未激活不会在有效期内自动注销的。一般来说,信用卡的有效期为 3-5 年(具体有效期在信用卡卡片上有说明),您可以在这 3-5 年里的任意时间进行激活,但如果超过卡的有效期还没有进行激活,则该信用卡视为作废处理。

If the credit card is not activated, it will not be automatically cancelled within the validity period. Generally speaking, the validity period of a credit card is 3-5 years (the specific validity period is specified on the credit card). You can activate the card at any time during the 3-5 years. However, if the card has not been activated beyond the validity period, the card will be deemed invalid.

信用卡激活并没有一个具体期限,但是银行却为信用卡设了一个卡片有效期,超过有效期的卡片自动停用,也不能进行激活。需要注意的是,这个有效期都是从卡片获批的那一天算起,到月份的最后一天。

There is no specific time limit for credit card activation, but the bank has set a card validity period for the credit card. Cards beyond the validity period will be automatically deactivated and cannot be activated. It should be noted that the validity period is from the day when the card is approved to the last day of the month.

但是一些特殊信用卡就算不激活也会产生年费,如白金卡及以上级别的信用卡,信用卡年费从核卡当日起直接从信用卡额度里扣除,且直接显示在信用卡当期账单里,您需要在最后还款日进行还款。如果未按时还款导致逾期,则会产生不良信用,影响个人征信。

However, even if some special credit cards are not activated, there will be an annual fee, such as platinum card and above. The annual fee of the credit card will be directly deducted from the credit card limit from the date of card verification, and will be directly displayed in the current bill of the credit card. You need to repay on the last repayment date. If the repayment is overdue, it will produce bad credit and affect personal credit.

有些人说,如果信用卡不开,一年后就会自动注销——但事实上不是这样。不同的银行对不同类型的信用卡有不同的自动注销设置。一般来说,普卡的信用卡在一年后会自动注销,但金卡、白金卡及以上的卡不会自动注销,只会暂时进入“休眠”状态。

Some people say that if the credit card doesn’t open, it will be automatically cancelled after a year – but it’s not. Different banks have different automatic cancellation settings for different types of credit cards. Generally speaking, the credit card of Puka will be cancelled automatically after one year, but the gold card, platinum card and above will not be cancelled automatically, and will only enter the “sleep” state temporarily.

信用卡失效多长时间

How long does the credit card fail

如果信用卡未激活,在信用卡有效期到期之前,它不会自动失效。许多人错误地认为信用卡在 2 个月内不会被激活,但事实并非如此。

If the credit card is not activated, it will not automatically fail until the validity period of the credit card has expired. Many people mistakenly believe that credit cards will not be activated within two months, but this is not the case.

各银行发行的信用卡一般有效期为 3-5 年,而特种卡有效期为 8 年。如果信用卡没有激活,这意味着它将需要 3-5 年或 8 年才能失效。

Credit cards issued by banks are generally valid for 3-5 years, while special cards are valid for 8 years. If the credit card is not activated, that means it will take 3-5 or 8 years to expire.

但是,应该注意的是,如果白金卡未激活,将收取年费。

However, it should be noted that if the platinum card is not activated, an annual fee will be charged.

中国银行业监督管理委员会规定:“持卡人激活信用卡前,银行业金融机构不得扣除任何费用,但持卡人授权银行业金融机构通过书面电话记录或客户服务中心电子签名方式扣除费用的除外。”

The China Banking Regulatory Commission stipulates that “before a cardholder activates a credit card, a banking financial institution shall not deduct any fees, unless the cardholder authorizes the banking financial institution to deduct the fees through a written telephone record or an electronic signature of the customer service center.”

通常,如果信用卡没有激活,就不会收取年费。然而,许多白金卡不是这样的。即使你没有激活它们,你仍然要收取年费。

Usually, if the credit card is not activated, there is no annual fee. However, many platinum cards are not. Even if you don’t activate them, you still charge an annual fee.

简而言之,白金卡是一种更高级别的信用卡,它提供许多增值服务,如机场交通、机场贵宾待遇、百万级航空意外保险等。

In short, platinum card is a higher level credit card, which provides many value-added services, such as airport transportation, airport VIP treatment, million class aviation accident insurance, etc.

由于白金卡需要提供一些高价值的增值服务,银行不得不为此承担一大笔开支。

Because platinum cards need to provide some high value-added services, banks have to bear a lot of expenses.

因此,有这样一个规定,即使白金卡用户不激活卡,他们也将收取年费。

Therefore, there is a rule that platinum card users will charge an annual fee even if they do not activate the card.

因此,白金卡的用户必须记住,即使他们没有激活,也将有年费。普卡和金卡的用户还应通过电话咨询银行,以确认如果不激活它们,是否会产生年费或其他费用。

Therefore, platinum card users must remember that even if they are not activated, there will be an annual fee. The users of general card and gold card should also consult the bank by telephone to confirm whether annual fee or other fees will be incurred if they are not activated.


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