Generally speaking, the validity period of a credit card is two years. Before the validity period of the credit card expires, bank staff will proactively contact the cardholder to ask whether they need to apply for a new card.

If If the mobile phone number reserved by the cardholder has changed and the bank is unable to contact the cardholder, it is recommended that the cardholder contact the bank's customer service staff to apply for a card replacement two months before the credit card expires.

Generally speaking, there are several main ways to apply for card replacement when a credit card expires:

1. To apply by phone, the cardholder can directly call the customer service hotline of Shanghai Pudong Development Bank. According to the voice The prompt will be transferred to manual customer service, and then directly apply for card replacement.

2. To apply online, cardholders can directly log in to the Credit Card Center of Shanghai Pudong Development Bank, then click on the online customer service on the page, and then apply for card replacement.

In addition, you need to pay a certain card replacement fee when you change your card. The specific fees are stipulated by Shanghai Pudong Development Bank as follows:

Special-shaped card: 25 yuan/card;

IC credit card: 10 yuan/card;

Personalized card: 15 yuan/card;

Other cards: 15 yuan/card. (1) Some card types are free of charge;

If the card face is replaced with a personalized card, it will be charged 88 yuan/card, and other card types will be charged 20 yuan/card.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Main features

1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range;

2. Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

3. Credit cards are high-tech products that integrate financial services and computer technology.

4. Credit cards can reduce the use of cash;

5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

6. Credit cards It can simplify payment procedures and save social labor;

7. Credit cards can promote product sales and stimulate social demand.

Financial Management Strategy

1. Control the number of credit cards and only have enough.

Once there are too many credit cards, it is easy to make mistakes or forget the repayment date of the card. Issues such as the credit limit of that card are difficult to manage and can easily lead to late repayments and leave a bad record. Moreover, if you swipe multiple cards to earn points, the points will be too scattered and it is not conducive to redeeming gifts. Therefore, it is recommended that only 1 to 2 credit cards are enough.

2. Keep the credit card receipts

Most credit card holders do not care about the receipts and will not keep them. Most of them throw them away. This is a very bad habit. In fact, retaining credit card vouchers not only facilitates the monthly summary of consumption records to analyze and optimize consumption habits, but also helps improve the rationality and transparency of credit card consumption, so that the card can be swiped clearly. And many people do not set passwords on their credit cards. Discarding the credit card credentials at will may lead to theft of the credit card.

For security reasons, it is best to keep the credit card receipt after swiping the card to make yourself aware of it and develop good credit card financial management habits.