【中文版】

信用卡的有效期是指卡片的使用期限，过了这个期限，卡片就会失效。一般来说，信用卡的有效期为三年到五年，这段时间内，持卡人可以随时使用信用卡进行消费支付。但是，一旦过了有效期，持卡人就需要重新申请信用卡，并重新获得银行审核和批准。

信用卡的有效期通常会标注在卡片的正面，一般会标注一个日期或者时间段。例如，卡片上可能会标注“有效期至2023年12月31日”，这就意味着这张卡片在2023年12月31日之前都可以使用。

在信用卡的有效期内，持卡人需要保持良好的信用记录和合理的消费行为，这样才能提高信用卡的使用体验和额度。如果持卡人在使用过程中出现逾期还款、套现等不良行为，就可能会影响信用卡的有效期和额度。

因此，持卡人需要在使用信用卡时注意有效期限和合理消费，并及时关注信用卡的动态信息，以免错过重要信息或者造成不必要的麻烦。

【英文版】

The validity period of a credit card refers to the duration of card usage. After the expiration date, the card will become invalid. Generally, the validity period of a credit card is three to five years, during which time, the cardholder can use the credit card for consumption payment at any time. However, once the validity period expires, the cardholder needs to reapply for the credit card and undergo the bank's review and approval again.

The validity period of a credit card is usually marked on the front of the card, usually with a date or time period. For example, the card may be marked "valid until December 31, 2023", which means that this card can be used until December 31, 2023.

During the validity period of the credit card, the cardholder needs to maintain good credit records and reasonable spending behavior to improve the credit card's usage experience and credit limit. If the cardholder has any bad behavior during use, such as overdue repayment or cashing out, it may affect the credit card's validity period and credit limit.

Therefore, when using a credit card, cardholders need to pay attention to the expiration date and reasonable spending, and always pay attention to credit card dynamic information to avoid missing important information or causing unnecessary trouble.