Credit cards have a certain period of validity, usually 3 to 5 years. Different banks have different types of credit cards. Then, what should I do if the credit card expires and there is still debt in it? Let's take a look at Bian Xiao.

What should I do if the credit card is overdue and there are still debts in it?

1 Replace the credit card when it expires.

If the cardholder chooses to change the card after the credit card expires, after the new card is mailed and activated, all the information in the original card will be transferred to the new card, and the cardholder only needs to use the new card to repay.

Don't change your credit card after it expires.

If the cardholder chooses not to change the card after the credit card expires, don't think that it is enough not to pay back the arrears. If the cardholder fails to repay the loan within the time limit, the old card cannot be cancelled, and the overdue payment will be recorded in the personal credit report. Under normal circumstances, users are advised to pay off their debts in time through channels such as mobile banking or counters.

What if the credit card is about to expire?

Generally speaking, major banks will mail new cards to cardholders in the month or one month before their credit cards expire. Usually, the cardholder will be sent a related SMS link, and the sending address is the mailing address filled in by the cardholder himself. If you need to change the address, you can click on the SMS link to change it, or call the customer of the issuing bank to change it.

In short, for the credit card that is about to expire, it is not intended to be used in time. It is recommended that the cardholder go through the cancellation procedures. Generally speaking, as long as the credit card status is normal and there is no arrears, you can call the bank customer service staff to cancel the credit card.