It must only be deducted for five years. The credit card is valid for five years. If the credit card expires and you do not replace it, there will be no annual fee.

According to bank credit card regulations, if you do not exchange for a new credit card when it expires, the old credit card will be invalidated once it expires. If the cardholder cannot continue to use the old credit card for consumption, there will naturally be no more charges for the new year. Annual fee. However, if there are still unpaid bills after the credit card expires, the cardholder still needs to repay the bills through online or offline channels.

In a word, if you don’t replace the card after it expires, there will be no charge. Because the cardholder does not renew the credit card, the old card will no longer be usable when it expires.