When the validity period of a credit card expires, the first task is to deal with the old card. Generally speaking, the bank will take the initiative to replace the new card one month before the expiration, but users can choose to contact the bank actively before the expiration, indicating that they will not replace it, but only if all the arrears are paid off. If you want to continue to use it, it is very important to update the mailing address, whether by phone or website, to ensure that the new card can be delivered smoothly.

if you fail to receive the new card in time, you should contact the bank immediately to inquire and request a new one if necessary. After receiving the new card, it will be activated by customer service phone, and the original card will be invalidated immediately. At this time, the advantages of credit card are highlighted: overdraft consumption without deposit, interest-free period, shopping safety and bonus points, and some merchants also have discounts. Credit cards can also accumulate personal credit, improve the credibility of credit files, and provide nationwide barrier-free payment and various preferential activities, including electronic statement and supplementary card functions, and even international access. In addition, the 24-hour service provided by the bank ensures the security of the card, and once it is lost or stolen, it can be reported quickly.

in short, after the credit card expires, the handling method depends on individual needs, but whether you choose to replace it or continue to use it, you should ensure that the information is updated in time to ensure the normal operation of financial services. The validity period of a card is usually three or five years. Reasonable use of the advantages of a credit card can bring many conveniences to the cardholder's life and financial management.