What if the credit card expires?
Will limit the use of credit cards, can not withdraw money, can not spend freely;
The arrears are still valid and can be repaid by credit card;
Note: the expiration of a credit card does not mean cancellation, and an annual fee may still be charged; After the credit card expires, the cardholder can continue to use or cancel the card according to his own situation. If you intend to continue to use it: In foreign countries, banks will issue a new card to cardholders before the credit card expires. However, due to the worry about mailing, the practice of domestic banks is mainly divided into two ways. 1. You need to go to the bank to get it yourself. For example, ICBC's credit card expires: Peony Card Center will automatically change your card before the card expires 1 month, and international credit cards, debit cards and credit card exchanges will automatically deduct the annual fee from the card through the system. You can apply for a new card through the 24-hour service hotline 95588, and the international card service hotline is 0 10-95588. (If you don't want to change your card for the time being, please inform ICBC through the 24-hour service hotline 1 0 months before the card expires. ICBC can keep the card number for you for a certain period of time. If you need to continue to use the card in the future, you can contact the card replacement through the 24-hour service hotline. The validity period of CCB credit card: Longka credit card is valid for three years, and it will be invalid when it expires. The issuing bank provides cardholders with automatic card replacement service at maturity. (If the cardholder fails to change the card upon expiration, he shall notify the card issuing bank in writing or other forms recognized by the card issuing bank one month before the expiration of the card validity period. However, after the card expires, the outstanding creditor-debtor relationship under the Longka credit card account is still valid. 2. The bank will issue you a new card directly. For example, Minsheng Bank's credit card expires: Minsheng Credit Card is valid for 3 years, and the validity period is indicated on the front of the card. Minsheng Bank will take the initiative to issue you a new card before your card expires, and there is no need to go through any formalities. CMB credit card expires: CMB credit card is valid for 3 years, and a new card will be issued every 3 years. The front of the card indicates your expiration date. The credit card center will send you a new card by registered mail before your card expires, without any formalities. Matters needing attention after receiving the new card 1 The new card needs to be activated before it can be used; 2. For the sake of safety, please sign on the back of the credit card and cut off the old card without sending it back to the bank; 3. The debts and points of the old card will be transferred to the new card. If you don't use it after the expiration, if you decide not to use it, you'd better inform the bank one month in advance. Some banks will give cardholders a replacement notice before the credit card expires. For credit cards that are no longer used after expiration, the cardholder can sign the receipt and send it back to the bank within the specified time, and the bank will stop issuing new cards. In addition, for cardholders who are going to send back the receipt without changing their cards, don't send the credit card in the receipt. In the future, they must show their credit cards when they cancel their cards. When handling credit cards, these things are all detailed in the application form contract given by the bank to customers. As long as everyone pays attention, there will be no unnecessary trouble.