Apply to the bank to change or cancel the card.

1. If the cardholder wants to continue using the card, he or she can apply to the bank to change the card. If the card type used by the cardholder is still issued by the bank, a card of the same type as the old card will be mailed; if the card bank no longer issues the card, a similar type of card will be mailed after consultation with the cardholder.

The cardholder will reactivate it after getting the card, and the original rights and limits of the card will remain unchanged.

If the cardholder needs a higher amount, he or she can apply to the card-issuing bank when changing the card, and the card-issuing bank will decide whether to increase the amount based on previous records and credit information.

2. If the cardholder does not want to continue using it, please be sure to apply for cancellation. Although the card has expired, the credit account of the cardholder is actually still there, and the contract between the cardholder and the bank is still there, so the annual fee due for the credit card will still be incurred as usual;

If not By using or canceling the credit card, the credit card may be overdrawn secretly, causing a bad record for the cardholder.

3. If the cardholder has not yet decided whether to continue using the card, he or she can call the customer service hotline to notify the card-issuing bank. The card-issuing bank will retain the card number and card rights for a certain period of time. If the cardholder needs to continue using the card in the future, he or she can apply to the card-issuing bank to change the card.

Extended information:

1. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when purchasing, and you will have to wait until the bill date to repay the bill.

2. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; a quasi-credit card refers to a cardholder who deposits a certain amount of petty cash in accordance with regulations and pays when the petty cash account balance is insufficient. A quasi-credit card that can be overdrafted within a specified credit limit. Credit card generally refers to a credit card.

3. Starting from January 1, 2021, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rate will be cancelled. (The original upper limit is 5‰ of the daily interest rate, and the lower limit is the daily interest rate. 0.7 times of 5‰).

On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues in the Trial of Bank Card Civil Disputes".