信用卡到期什么意思

中文段落：

信用卡到期指的是信用卡的有效期限到达预定的截止日期。每张信用卡都有一个固定的有效期限，通常为两到三年，但也可能因发卡银行和卡片类型而异。一旦信用卡到期，持卡人便不能再使用该卡进行交易，除非进行续卡或更换新卡。

信用卡到期前，银行通常会提前通知持卡人，提醒他们准备续卡或换卡。有的银行会主动寄送新卡给持卡人，而有的则要求持卡人主动申请。持卡人收到新卡后，需要按照银行的要求激活新卡，并更新相关的支付和自动扣款信息，以确保交易的顺利进行。

在信用卡到期前，持卡人还应注意检查自己的信用卡账单和额度使用情况，确保没有未结清的款项或超出信用额度的情况。如果发现任何问题，应及时与银行联系解决，以避免影响个人信用记录和财务状况。

信用卡到期后，如果持卡人不再需要该卡，应及时与银行联系办理销卡手续，以避免不必要的费用和风险。

英文段落：

Credit card expiration refers to the situation where the validity period of a credit card reaches its predetermined end date. Each credit card has a fixed validity period, usually ranging from two to three years, but it may vary depending on the issuing bank and card type. Once a credit card expires, the cardholder can no longer use it for transactions unless they renew or replace it with a new card.

Before a credit card expires, the bank usually notifies the cardholder in advance, reminding them to prepare for card renewal or replacement. Some banks proactively send new cards to cardholders, while others require them to apply actively. Upon receiving the new card, the cardholder needs to activate it as per the bank's requirements and update relevant payment and automatic deduction information to ensure smooth transactions.

Before the credit card expires, the cardholder should also check their credit card statements and credit limit usage to ensure there are no outstanding balances or breaches of the credit limit. If any issues are found, they should promptly contact the bank to resolve them, avoiding any impact on personal credit history and financial standing.

After a credit card expires, if the cardholder no longer needs the card, they should promptly contact the bank to cancel it, avoiding unnecessary fees and risks.