How to replace a new card when your credit card expires?
There are three ways to renew your credit card when it expires:
Method 1: Call the credit card customer service hotline. Use your registered mobile phone to call the credit card customer service hotline and tell the customer service personal information and the mailing address of the new card. Generally, the new card can be issued from the bank in half a month, and you can receive the new card in about a month.
The customer service telephone numbers of each bank are as follows:
Industrial and Commercial Bank of China: 95588;
China Construction Bank: 95533;
China Merchants Bank: 95555 ;
Agricultural Bank of China: 95599;
China Minsheng Bank: 95568;
Shenzhen Development Bank: 95501;
Guangfa Bank: 800-830-8003;
Industrial Development Bank: 95561;
Postal Savings Bank of China: 95580;
Bank of Beijing: 95526;
< p>Shanghai Pudong Development Bank: 95528;Bank of Communications: 95559;
China Everbright Bank: 95595;
Ping An Bank: 95511;
< p>Bank of China: 95566.Generally, the bank customer service will proactively contact you one month before the card expires. Please pay attention to keeping your registered mobile phone open.
Method 2: Go to the bank counter to change the card. You can directly apply for a new card at the counter of the card-issuing bank. Fill in the relevant information at the bank service desk and handle it at the counter. It usually takes about a month to receive the new card. Remember to go to the card issuing bank.
Method 3: Apply for card replacement through online banking. The online banking of some banks can set up automatic card replacement services upon expiration, and you can independently set up automatic card replacement upon expiration.
Operating environment: Industrial and Commercial Bank of China (version 6.1.0.9.0)
Bank of China (version 7.1.0)
China Construction Bank (version 5.5. 7.001)
How to operate after the credit card expires
1. Students who do not want to continue using the credit card, please read here (those who want to continue using it can skip):
If your credit card is about to expire and you have decided not to use it again, you can explain to the card issuer one month in advance, apply for card cancellation, and pay off the overdraft, because even if the card expires, if you do not If you continue to use it, the balance on the card will still exist.
Failure to repay the loan on the final repayment date will also result in a bad credit record, which may affect future loan applications.
After paying off the outstanding balance, you only need to take your credit card and personal ID card to the card-issuing bank to handle the card cancellation procedure.
2. For students who still want to continue using their credit cards, please see here:
Generally, the card-issuing bank will notify the cardholder via text message or phone call before the credit card expires. People can also take the initiative to ask the bank to replace the card with a new one before the credit card expires.
Cardholders can go to the bank with their credit card and personal ID card to pick up a new card, or they can have the bank send the new card to a designated address.
After changing to a new card, the credit limit, points, outstanding balance, etc. will be transferred to the new card. Expired cards do not need to be returned to the bank, they just need to be destroyed.
How to replace the Bank of China credit card when it expires?
Replacement of credit cards upon expiration:
1. Under normal circumstances, Bank of China will automatically issue a new card before expiration for a card that meets the conditions for card replacement. The new card will not change, the validity period will be automatically extended, and the security verification code will change.
2. Our bank will not automatically issue a new card after the expiry of a card that does not meet the conditions for card replacement. If you need a valid card, you can call the credit card customer service hotline 4006695566, and our bank staff will try to help you manually issue a new card. However, for new cards that are manually replaced, in addition to the security verification code being changed and the card validity period being automatically extended, the new card will also be changed.
3. After you receive the new card, please activate it. Once the new card is activated, the old card will be invalidated immediately. Since the validity period and security verification code of the new card will change, if you have previously handled online banking or other withholding services (such as WeChat/Alipay, etc.), you need to re-associate it according to the new card information before you can use it.
Warm reminder: Bank of China has suspended the issuance of certain card types. For suspended cards, it is unable to process new card services such as card reset, card replacement upon expiration, and card replacement after loss report. Regarding the suspension of card issuance, it is recommended that you cancel your account after paying off the outstanding balance. If you need a useful card, you can apply for other Bank of China cards again. Thank you for your understanding and support of Bank of China, and I wish you a happy card use!
The above content is for your reference, please refer to actual business regulations.
Can I change the type of credit card?
Credit card types can be changed. If you want to change to another card type, you need to resubmit the credit card application. After passing the review, you can change to a new card type. If the previous card has expired, directly updating to a new card type will not work.
1. Different card types have different application conditions and review standards. Credit cards, also known as credit cards, are credit certificates issued by commercial banks or credit card companies to qualified consumers. The form is a card with the name of the card issuer, validity period, number, cardholder name, etc. printed on the front, and a magnetic strip and signature strip printed on the back.
2. Consumers holding credit cards can shop or consume in specialized commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraw within a specified amount. Credit cards stipulated in relevant Chinese laws (Interpretation of the Standing Committee of the National People's Congress on the Provisions of the People's Republic of China and the Criminal Law on Credit Cards) refer to electronic payment cards issued by commercial banks or other financial institutions.
3. It has all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the English translation and writing standards in the public service field were officially implemented, stipulating that the standard name for credit cards in English is credit card. Credit card consumption is a non-cash transaction payment method. No need to pay cash when consumption, repayment on the day of receipt. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card where the cardholder has a certain credit limit and can repay before spending within the credit limit; a quasi-credit card refers to a cardholder who deposits a certain amount of petty cash in accordance with regulations and pays when the balance in the petty cash account is insufficient. A quasi-credit card that allows overdraft within a specified credit limit.
4. Credit card generally refers to credit card only. Starting from January 1, 2021, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled. (The original upper limit was 0.05% of the daily interest rate, and the lower limit was 0.7 times the daily interest rate of 0.05%). On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Cases".
How to change the card type of China Construction Bank Credit Card?
You cannot change the card type for CCB credit card. If you want to change the card type, you can cancel and reapply.
CCB’s popular card types: Longka Yaohong Card, Longka Global Payment Credit Card, UnionPay Platinum Card (can be raised on a curve) Card approval limit: 5000-50000 Interest-free period: 20-50 days Cash withdrawal limit: 50% of the credit limit Minimum repayment amount: 10% of the consumption amount plus other payables Points rules: 1 point for 1 yuan, 7 points for 1 US dollar Validity period: 5 years Application conditions:
Full of age 18 to 70 years old and have full capacity for civil conduct 2. Have a stable career and income, be able to repay principal and interest on time, and have good credit. Both card types have good card acceptance rates. The first choice is the Dragon Card Yaohong Card. If you have a card or those with better qualifications can choose the Global Payment UnionPay Platinum Card. If you are a new user, it is best to check your pre-approval limit with China Construction Bank. If there is one, it is better.
The optimal application sequence for credit cards is based on the fourteenth line. The first application is to establish diplomatic relations between China, agriculture and industry, the second application is to promote public recruitment, and the third application is to Xinping Guanghua. Based on the twenty-line standard, the first applicant to apply for the China Agricultural and Industrial Diplomatic Relations (Special note: the Industrial and Construction China Agricultural Diplomatic Relations is also acceptable. For novices with average qualifications, those in these five industries can first choose the ones to apply for, such as the first application for the Bank of Communications) Try Qilin, with this white Qilin as the base, platinum cards from other banks are slightly easier to buy); the second application is Xingmin Guangzhao; the third application is Xinpingguang Huabei; the fourth application is postal remittance rubbish.
China Construction Bank Exclusive Platinum Card
Annual fee: The annual fee of 1,800 in the first year before December 31, 2021 can be redeemed with 400,000 points, and 400,000 points can also be used in the following year. Recommended reasons for redemption:
1. The limit starts from 80,000, guaranteed, and it will not be a meal card.
The disadvantage is also that it will be more difficult to apply for a card (generally, the average monthly requirement is 800,000) or if the maintenance limit of other cards under the first card reaches more than 80,000, then applying for a second card can be approved instantly.
2. Domestic unlimited visits to CCB’s self-operated VIP rooms for 5 times, global PP card for 2 times, starting from 200 yuan, redeemable for hotel accommodation, 3 times for airport pick-up, 6 times for driving, 6 times for expert outpatient appointments at tertiary hospitals, full guidance service (April 1, 2021 - March 31, 2022);
3. You can apply for an additional card for free before the end of 2021. In addition to no hotel rights, you will have other rights.
4. Double points offline, coupled with card activities such as multiple points paid by Changyoulong, 0.5% cash back, etc., it is very easy to reach 400,000 points.
How do I change my credit card after it expires?
There are three ways to replace your credit card when it expires:
1. Call the credit card customer service number
Use your registered mobile phone to call the credit card customer service hotline and tell the customer service your personal information and the mailing address of the new card. Generally, the new card can be issued from the bank in half a month, and you can receive the new card in about a month.
2. Go to the bank counter to go through the card replacement procedures.
Go directly to the counter of the card-issuing bank to apply for a new card. Fill in the relevant information at the bank service desk and apply at the counter. Generally, you can receive the new card in about a month.
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.
Generally, the bank customer service will take the initiative to contact you about one month before the card expires. Please pay attention to keeping the registered mobile phone open.