In the month when the card expires, ICBC will send a new card to the user's billing address free of charge. It can be used normally after activation. The old card will become invalid at the same time. The user can just cut off the old card and dispose of it.

If the new card has not been received after the 20th of the expiration month, the user needs to call 95588 and select "6 Credit Card Service" to select manual service for enquiry. ?

Warm reminder: If it is a dual-logo credit card (excluding American Express Centurion, Group Card, and Commercial Card), you must present the card and your valid ID to apply at a business outlet in the place where the card is issued. China Construction Bank will apply for free Upgrade to 1 UnionPay chip card and 1 international brand chip card for users.

Extended information

As a cardholder, you first need to confirm whether you will still use the credit card. If you continue to use it, you can contact the bank customer for confirmation. When the card does not appear to be frozen or other abnormal conditions, the bank will generally send a new card to the cardholder. The new card number, functions, limit, etc. are the same as the original card, but the validity period is the same. Changes have occurred. The new card received must be opened before it can be used.

If the cardholder no longer wants to use the card, he can contact the bank customer service and choose to cancel the card. It should be noted that some people may think that there is no need to cancel the credit card if it has expired. In fact, there is also a great risk hidden in this.

For example, some credit cards still have annual fees. Even if they are not used, they may be in arrears due to the annual fee, and the credit card is still quietly overdrawn, leaving a bad credit record for the cardholder.

In addition, cancellation can also prevent cardholders from being exploited and causing unnecessary economic losses to cardholders. Therefore, no matter whether the credit card has expired or not, it is best to consult the credit card customer service center and cancel it in time after confirming that it is not used.

Industrial and Commercial Bank of China - How to replace a credit card when it expires

People's Daily Online - The credit card has expired, should I change the date or apply for a card? (Financial Consultant)