First, there is no need to re-examine the credit card when it expires. However, the status of the credit card is required, and it must be normal and cannot be stopped, frozen or blocked by the bank. If yes, the bank must resume using the card one month before renewing the card, otherwise it will refuse to renew the card. Banks usually send a notice one month before the card expires to remind cardholders who meet the conditions for renewal. If the cardholder does not respond, he agrees to renew the card by default, and the bank will mail the updated credit card to the cardholder's mailing address 1 month before the expiration. If the cardholder does not want to renew the card himself, he should contact the bank to cancel the renewal at least 2 months before the expiration. In order to ensure the smooth receipt of the new card, everyone must ensure that their previous address is acceptable.

Second, when the credit card expires, the bank will issue a new card before the expiration, and the user will not be audited during this period. Although it will not be audited, the status of the old credit card must be normal, and the old card must be blocked, stopped paying, frozen, etc. The bank will issue a new card only after the state is normal, otherwise the bank will refuse to issue a new card. Before the credit card expires, the bank will send a text message to remind users. At this time, if you don't need a new card, you can take the initiative to contact the issuing bank to cancel the card replacement business.

Three. Matters needing attention in card replacement at maturity

1. Will the expired card number of the credit card change? Except that other card types need to be replaced when the credit card is deactivated, the renewal card number of the original card type remains unchanged, but the validity period is extended.

2. Do I need to reset my password when my credit card expires? No, the password of the old card will be used after the new card is activated, and there is no need to reset it. Cardholders can also change.

3. How to deal with the credit card renewal points? After the old card expires, the points will be transferred to the renewed new card, and other accounting information will also be transferred. Brother Li concluded: the credit card is in hand, and the one who wins me wins the world! While enjoying the convenience brought by credit cards, everyone still needs to pay more attention to the status of their credit cards at any time.