How to apply for a new Bank of China credit card when it expires

Generally, if the credit card meets the conditions for automatic renewal, the system will automatically generate a new card (main card) 30 days before the card expires. New cards will be generated separately for attached cards) and will be sent to you according to the mailing address registered with Bank of China. If your address changes, please modify it in time. If the card renewal is unsuccessful or the card has expired, please call the customer service hotline for consultation.

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

How to renew your credit card when it expires

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 payment 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 change to a new card after the credit card expires

About one month before the credit card is about to expire, the credit card center of the card issuer will notify the cardholder by phone or text message person and ask if a new card needs to be mailed. If you want to continue using it, you need to verify your mailing address and ask the credit card center to mail a new card as soon as possible. The new card can be used normally after activation, and the old card will be automatically scrapped.

If the credit card bank used by the cardholder is still issuing the card, a card of the same type as the old card will be mailed. If the credit card bank is no longer issuing the card, a card of a similar type will be mailed after discussing with the cardholder.

If the cardholder no longer wants to use the credit card, he can inform the credit card customer service staff when contacting him. It should be noted that although the credit card cannot be used again after it expires, it is still required when the credit card is no longer used. Handle card cancellation. Because many credit cards require a sufficient number of swipes or a sufficient amount to waive the annual fee.

When changing to a new card, be sure to understand the validity period of your credit card points. If the points become invalid when the credit card expires (for example, the validity period of the Guangfa Bank credit card points is the same as the credit card) or change, you must deal with it in time. . Don’t waste the points you can use easily.

Extended information

CreditCard, also called credit card. It is a non-cash transaction payment method and a simple credit service. A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

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 consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.