There are three ways to renew your credit card when it expires:

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. 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.

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.

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.

After the credit card expires and is replaced, the cardholder needs to activate the new card by themselves, otherwise it will affect the use of the new card. You can choose the following activation methods for credit cards

1. Activation via credit card customer service phone number. Cardholders can call the bank's credit card customer service hotline and follow the voice prompts to activate the credit card.

2. Activate the bank’s official website. Generally, the official websites of various banks have credit card activation channels. Cardholders can log in to the official website of the issuing bank to activate their credit cards.

3. Bank online banking activation. If you have opened the bank's online banking, you can log in to the online banking to activate your credit card.

In addition to the above methods, cardholders can also try to activate credit cards through SMS, WeChat, mobile APP and other channels.

Remember, after the credit card expires and the card is replaced, the old card cannot be discarded at will, otherwise the credit card number, expiration date, verification code and other information will be exposed, and there will still be a risk of fraud.

Extended information: Tips and precautions for using credit cards

1. Credit card cash withdrawals have high interest rates. Because there is no money in the credit card itself, withdrawing cash with a credit card is equivalent to borrowing money from the bank. The interest is very high and is calculated on a daily basis (the specific interest calculation method can be learned from the card issuer). Don’t withdraw cash as a last resort.

2. Credit card does not need to have a password. If a password is set on the credit card, you need to enter the password when swiping the card for consumption. If there is no password, just sign to confirm the consumption. You may think that not setting a password is unsafe, but this is not true because the merchant is obligated to verify your signature. If someone else fraudulently uses your signature to make purchases, the responsibility is not on you and the bank needs to compensate you for the loss. If you use your password to make purchases and your credit card is stolen, the merchant is not responsible.

3. Installment charges are required. Many banks promote interest-free installments. The bank will not charge you interest, but will charge a handling fee. Generally, the handling fee for each period is about 6%, which varies from bank to bank.

4. Overdue repayment affects personal credit. If the credit card is not repaid in the minimum amount when it expires, not only will high interest be deducted, but it will also affect your personal credit record. It will be more troublesome if you want to get a loan from a bank or do something related to personal credit in the future.

5. The annual fee of credit card can be deducted. Generally, credit cards charge annual fees, and banks charge a certain service fee every year. However, due to the fierce competition among major banks now, many banks have measures to deduct annual fees. For example, if you swipe the card 10 times, you will be exempted from the annual fee for that year, 1,000 points can be redeemed for the annual fee, etc. You need to know clearly the annual fee of the credit card you are using. How is the fee calculated and charged? Is there any way to deduct the annual fee?