How to replace a credit card when it expires

Replace a credit card when it expires

When applying for a card replacement when your credit card expires, just submit the relevant information truthfully. If you don’t have a job, If you are an employer, you must provide proof of sufficient financial resources and stable income.

1. Generally, banks will send text messages and mail card expiration notices to cardholders before the credit card expires. Of course, the cardholders themselves can also take the initiative to notify the cardholders before the credit card expires. The bank requested a card replacement.

2. If the cardholder no longer needs the credit card after the credit card expires, the cardholder can propose not to replace the card and sign the receipt of the card replacement notice sent by the bank. If the name is returned to the bank within the specified time, the bank will stop replacing the card, and the original card will be automatically canceled after it expires.

3. After the bank receives the cardholder's application for card replacement, the card-issuing bank will issue the new card to the cardholder. The cardholder can use the new card after activating it. Generally, it will be invalidated automatically, but some banks will require the cardholder to cancel it.

First, credit cards have an expiration date. After the expiration date, the card will become invalid and cannot be used normally. Therefore, the card issuer will renew the card to cardholders who meet the card renewal requirements and issue new cards upon expiration.

Second, if the cardholder does not need to use the card when it expires, he can proactively contact the card issuer one month before expiration to request not to renew the card. Or after receiving the new card, call the card bank’s customer service number to cancel the card.

How to change a credit card?

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

Method 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.

The customer service telephone numbers of each bank are as follows:

Industrial and Commercial Bank of China: 95588;

China Construction Bank: 95533;

China Merchants Bank: 95555 ;

Agricultural Bank of China: 95599;

China Minsheng Bank: 95568;

Shenzhen Development Bank: 95501;

Guangfa Bank: 800-830-8003;

Industrial Development Bank: 95561;

Postal Savings Bank of China: 95580;

Bank of Beijing: 95526;

< p>Shanghai Pudong Development Bank: 95528;

Bank of Communications: 95559;

China Everbright Bank: 95595;

Ping An Bank: 95511;

< p>Bank of China: 95566.

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.

Method 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.

Method 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.

Operating environment: Industrial and Commercial Bank of China (version 6.1.0.9.0)

Bank of China (version 7.1.0)

China Construction Bank (version 5.5. 7.001)

How to operate after the credit card expires

1. Students who do not want to continue using the credit card, please read here (those who want to continue using it can skip):

If your credit card is about to expire and you have decided not to use it again, you can explain to the card issuer one month in advance, apply for card cancellation, and pay off the overdraft, because even if the card expires, if you do not If you continue to use it, the balance on the card will still exist.

Failure to repay the loan on the final repayment date will also result in a bad credit record, which may affect future loan applications.

After paying off the outstanding balance, you only need to take your credit card and personal ID card to the card-issuing bank to handle the card cancellation procedure.

2. For students who still want to continue using their credit cards, please see here:

Generally, the card-issuing bank will notify the cardholder via text message or phone call before the credit card expires. People can also take the initiative to ask the bank to replace the card with a new one before the credit card expires.

Cardholders can go to the bank with their credit card and personal ID card to pick up a new card, or they can have the bank send the new card to a designated address.

After changing to a new card, the credit limit, points, outstanding balance, etc. will be transferred to the new card. Expired cards do not need to be returned to the bank, they just need to be destroyed.

How to replace your credit card when it expires?

There are three ways to replace 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, 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?

How to replace the Bank of China credit card when it expires?

Replacement of credit cards upon expiration:

1. Under normal circumstances, Bank of China will automatically issue a new card before expiration for a card that meets the conditions for card replacement. The new card will not change when it is issued, the validity period will be automatically extended, and the security verification code will change.

2. Our bank will not automatically issue new cards after expiration of cards that do not meet the conditions for card replacement. If you need a valid card, you can call the credit card customer service hotline 4006695566, and our bank staff will try to help you manually issue a new card. However, for new cards that are manually replaced, in addition to the security verification code being changed and the card validity period being automatically extended, the new card will also be changed.

3. After you receive the new card, please activate it. Once the new card is activated, the old card will be invalidated immediately. Since the validity period and security verification code of the new card will change, if you have previously handled online banking or other withholding services (such as WeChat/Alipay, etc.), you need to re-associate it according to the new card information before you can use it.

Warm reminder: Bank of China has suspended the issuance of certain card types. For suspended cards, it is unable to process new card services such as card reset, card replacement upon expiration, and card replacement after loss report. Regarding the suspension of card issuance, it is recommended that you cancel your account after paying off the outstanding balance. If you need a useful card, you can apply for other Bank of China cards again. Thank you for your understanding and support of Bank of China, and I wish you a happy card use!

The above content is for your reference, please refer to actual business regulations.

That’s it for the introduction on how to change your credit card.