As we all know, credit cards have a usage period, which is generally 5 years. Some credit cards exceed 5 years and can reach 10 years. Therefore, if the cardholder's credit card expires, he or she needs to apply for an expired card replacement service. So, how long does it take for a cardholder to send a new card before the credit card expires? Let’s take a look at Bank of China as an example.

How long does it take before a Bank of China credit card expires to send a new card?

About a month. According to the regulations of the Bank of China, new credit cards are uniformly mailed by express delivery. The card production time takes 3 working days, and the mailing time is about 3-5 working days. Therefore, in order to avoid insufficient time to replace old cards with new ones, banks often choose to send new cards to cardholders about one month in advance.

What should I do if the credit card’s mailing address changes?

If the cardholder’s card mailing address has changed, it needs to be modified in time to avoid the card being mailed to the wrong address. At the same time, cardholders can keep their reserved mobile phones open and follow the card mailing status in a timely manner. Of course, if the cardholder has not received the card, they can also call the credit card customer service hotline 4006695566 for detailed consultation on the specific situation.

What should you pay attention to when replacing a credit card when it expires?

1. Before the card that meets the conditions for card replacement expires, Bank of China will automatically issue a new card. The card number of the new card will not change, the validity period will be automatically extended, and the security verification code will change.

2. Bank of China will not automatically issue a new card if the card is in the status of "inactive, frozen, overdue for more than 4 periods (inclusive), limit exceeded, pre-cancelled account, account cancelled". If you have any card needs, you can call the credit card customer service hotline 4006695566 for consultation.

3. During the card replacement period, if the old card is normal and within the validity period, the new card will not be activated and normal use will not be affected. If the old card has expired, it cannot be used.

4. There is no fee for card replacement when it expires. Some special card types will charge a certain production fee;

5. Some Bank of China card types have stopped issuance and cannot be replaced. If users need a useful card, they can apply for other Bank of China cards again;

6. After changing the card, online banking or other withholding services (such as WeChat/Alipay, etc.) need to be re-associated according to the new card information. available.