1. The expiration of the credit card does not mean that the credit card has been cancelled or cancelled, and the card holder has not dissolved the relationship with the bank. Annual fees and other related expenses will continue to be incurred

Second, if you don't want to use them, you can cancel them. Before cancellation, expired credit cards can be cancelled only if there is no arrears or installment.

3. You can queue up for cancellation business when you have valid certificates (such as ID card, household registration book, etc.) and credit cards at the construction business outlets.

(1) Unused credit cards have expired:

If they are not activated, they don't need to be cancelled, and they will automatically become invalid when they expire;

if it is not used, it is recommended to cancel it to avoid unnecessary annual expenses;

Credit card validity period:

① Credit card validity period is generally three years;

② After the expiration of three years, the bank credit card center will evaluate the credit status;

③ If you have good usage habits and repay the loan on time, you will be given an extension of the usage period;

④ Send a new card and use it after activation. The new card completely inherits the functions of the original card;

⑤ if the credit is bad and the repayment is not made on time, the extension will not be continued.

1. A credit card, also called a debit card, is a credit certificate issued by a commercial bank or credit card company to qualified consumers. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card _1-2]_ which is issued by commercial banks or other financial institutions and has all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1st, 217, the Standard of English Translation and Writing for Public Service was officially implemented, which stipulated that the English name of credit card was Credit Card_

2, and credit card consumption was a non-cash transaction payment method, so it was not necessary to pay cash when consuming, and the repayment was made on the Billing Date.

3. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.