The validity period of the Bank of Communications credit card is generally 3 or 5 years, and each card will indicate the validity period of the credit card. If the credit card expires,

1, the use of credit cards will be restricted, and you can't withdraw money and spend freely;

2. The arrears are still valid and can be repaid by credit card;

3. Note: The expiration of the credit card does not mean cancellation, and an annual fee may still be charged;

After the credit card expires, the cardholder can continue to use or cancel the card according to his own situation.

If it is no longer used after expiration:

If you decide not to use it again, you'd better inform the bank one month in advance.

Some banks will give cardholders a replacement notice before the credit card expires. For credit cards that are no longer used after expiration, the cardholder can sign the receipt and send it back to the bank within the specified time, and the bank will stop issuing new cards. In addition, for cardholders who are going to send back the receipt without changing their cards, don't send the credit card in the receipt. In the future, they must show their credit cards when they cancel their cards.