1. If the applicant holds a debit card, after the card expires, the cardholder needs to bring his/her ID card to the bank branch counter to apply for card replacement. After changing the card, he can take out the money by inputting personal information.

2. If the applicant holds a credit card, he can change it at a local outlet, and then he can withdraw money. As long as the bank card is not cancelled, money can be transferred out even if the bank card expires.

1. What if the bank card certificate expires?

According to the relevant requirements in the Measures for the Administration of Customer Identification and Customer Identity Data and Transaction Records of Financial Institutions issued by the People's Bank of China, financial institutions have the right to stop providing related services to their customers if the bank card certificate is not updated upon expiration. After the certificate expires, the individual should reissue a new valid certificate in time, and then I can change the account opening certificate information at the bank outlet with my valid identity certificate, the certificate of identity change issued by the issuing authority and all the accounts in my name.

Secondly, it should be pointed out that:

1. If the old and new ID cards can prove to be the same person or the ID number has been normally upgraded from 15 to 18, there is no need to change the certificate.

When the certificate expires, you can update it with a new certificate. Besides. You can also update your certificate through smart teller machines and mobile banking.

3. Please refer to the operation page of outlets or self-service channels for specific provisions.

Third, the validity period of the bank card: if the applicant holds a credit card, because the debit card has no fixed number of years, but the credit card has a fixed number of years, and the fixed number of years has been written below the card. However, if the card expires and the applicant has not cancelled it, the bank will reissue a new card according to the applicant's credit limit, or they will call the applicant in advance to remind the applicant to apply for a new card. There are two kinds of bank cards, one is a savings card and the other is a credit card. Although the card has an expiration date, the savings card will not expire, as long as the card is not degaussed. However, credit cards will expire, usually for three years. If it has expired, the bank may also take the initiative to mail a new card.

Four, after the cancellation of the bank card, the money inside will have these aspects:

1. After the cancellation of the bank counter card, the money in it will be settled to the nearest corner and rounded off.

2. If the card is automatically cancelled, it means that there is not much money in the card. After deducting the annual fee and the small account management fee, Cary has no money, because Cary has money and will not live on campus automatically.

3. If the bank card is lost, you need to reissue a bank card first, and then cancel the account. Card replacement requires a card fee, and the money inside is being settled, accurate to the nearest corner and rounded off.

4. If it is a credit card, it will be frozen automatically if it is overdue or not used for a long time. At the same time, you may have to go to the bank counter to make up the arrears because the arrears and annual fees are overdue.