According to the current information, we can know that the Bank of Communications credit card has expired, and you can apply for a replacement or cancellation at the Bank of Communications counter. However, you should pay attention to the fact that there is no debt written off, otherwise your personal credit information may be affected.

Credit card cancellation process:

1. Call the bank customer service phone to apply for cancellation of the credit card. Note that at this time, bank customer service will generally retain you. If you decide to cancel your card, don't listen to him "fool" and insist on canceling it.

2. There will be a settlement period of 30 -45 days from the telephone application for cancellation to the formal cancellation. Never use a credit card again in the meantime.

3. 40 days after the cancellation, call the bank customer service to confirm whether the cancellation is successful, so as to avoid leaving a bad record for yourself because of the unsuccessful cancellation for special reasons.

4. Don't throw away the cancelled credit card everywhere. Cut the magnetic stripe and discard it to avoid being picked up by criminals and causing losses to yourself.

Before canceling the credit card, make sure that the credit card has no balance, no arrears and no extra deposits. Because once a credit card has a balance, it cannot be cancelled.

Pay attention to four points when canceling credit card accounts.

First, before applying for account cancellation and account cancellation, make sure that the points in your credit card have been redeemed to avoid wasting points. Because credit card points are consumer rewards from the issuing bank, you can exchange the corresponding items at the issuing bank. All the points in the card will be cleared after account cancellation and card return, so you must redeem the points before account cancellation and card return to avoid unnecessary losses.

Two, credit card cancellation in the settlement period shall not use credit cards. Because there will be a 45-day "settlement period" before the credit card account becomes effective, if you try to use the credit card again during this period, it will lead to the failure of account cancellation. So if you are not sure whether the account cancellation is successful, you can contact the issuing bank to ask. Of course, if the user goes back on his word before the account cancellation officially takes effect and wants to withdraw the account cancellation application, he can also contact the issuing bank to reopen the function.

Third, after the credit card expires, it is necessary to be cautious to cancel the account. If the credit card is overdue, you can apply for account cancellation or card refund immediately after handling the arrears, but you can still leave your overdue record in the credit report of the issuing bank. And the overdue record of this credit card will be kept in your personal credit report for 5 years. So what are we going to do? The correct way is to continue to use this credit card after full repayment, and gradually cover the overdue bad records with good records. Within two years, this overdue record will no longer affect your personal credit information.

Fourth, if the credit card only sells the card and does not cancel the account, it will not be able to enjoy the treatment of new users. Many banks stipulate that after 6 months to 12 months of successful account cancellation, they can apply for a new credit card and enjoy the treatment of new users again. However, if you just return the card and don't cancel the account, you are an old customer of the issuing bank, and you will not be treated as a new user when you apply for a new credit card again.