After the bank of communications credit card expires, if the phone number reserved by the customer has not changed, the customer service will contact you actively to inform the customer to renew the card. At the same time, the bank customer service needs to confirm some personal information with the customer, and then mail a new credit card. The validity period of a credit card is generally three to five years, and each card will indicate the validity period of the credit card.

The impact of Bank of Communications credit card expiration is as follows:

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;

If the credit card expires, the cardholder can continue to use or cancel the card according to his own situation. 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 ready to send a 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.

Definition of credit card:

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with 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 specialized 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 limits.

Credit cards are classified as follows:

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

1, credit card

That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.

2. Quasi-credit card

It's a credit card issued by the bank. Deposit first and then spend. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.