China Merchants Bank's credit card expires automatically. If you don't want to continue using the credit card, you just need to take your ID card and card to the bank to cancel the card after paying off the money. If you want to use this credit card again, you need to change it. The steps to change the card are as follows: two months before the card expires, the bank will send a text message to remind you to change the card. After replying by SMS, the bank will mail your bank card to you. After receiving the new card, please bring your ID card to the bank for activation.