A credit card cannot be used normally after it expires, and you need to apply to the card-issuing bank for a card replacement. If you want to change your credit card, you can contact the card-issuing bank one month in advance to apply for card replacement. Generally, the bank will send a new card to the cardholder in about 15 to 30 days. There are three ways to change your credit card: calling the bank customer service hotline to change the card, changing the card at the bank counter, or using online banking.
1. To change the card, use the bank customer service hotline to call the bank customer service using the mobile phone number bound to the credit card. After providing personal information and the mailing address of the new card, the new card will be issued from the bank generally half a month later. You can receive your new card in about a month.
2. To apply for card replacement at the bank counter, cardholders can bring their valid ID and the credit card that needs to be replaced when it expires, and go to the counter of the card issuing bank to fill out the application for card replacement. It usually takes about a month after completing the application to receive the new card.
3. Apply for card replacement through online banking. Some banks’ online banking can set up automatic card replacement service upon expiration, and you can independently set up automatic card replacement upon expiration. Please refer to the online banking page for details.
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1. The credit card needs to be activated before it is used for the first time. Only after activation can your credit card function normally. use. You can activate a credit card in the following three ways:
1. Open a card and set a password at the branch financial management counter. Your ID card and credit card are required when handling;
2. Open a card through online banking , if you have an online banking shield, you can also set a transaction withdrawal password;
3. Self-service card activation via phone voice. Of course, you will need to enter some personal information before activation to ensure that it is the cardholder himself. Information input If it is incorrect, you will be redirected to manual card opening (when setting a password, be careful not to use birthdays, ID numbers, or simple numerical sequences such as 111111 and 123456 as credit card passwords).
2. Consumption
Credit cards can be used as payment tools and can be consumed directly through the card-swiping POS machines or online payment platforms installed by merchants.
1. The bank will also provide you with various forms of points, discounts, installments, draws, promotions and other activities.
2. Credit card is still the main international payment tool. On international websites, you only need to fill in your personal credit card information to make purchases directly. If you are on a business trip and staying in a hotel, only a credit card can do it for you. Hotel pre-authorization.
3. A credit card is not a savings card, and interest will not be charged on deposits in the credit card.