About one month before the credit card expires, the credit card center of the issuing bank will notify the cardholder by phone or SMS, asking whether it is necessary to mail a new card. If you want to continue to use it, you need to verify the mailing address and ask the credit card center to mail a new card as soon as possible. The new card can be used normally after activation, and the old card will be scrapped automatically. If the credit card bank used by the cardholder is still issuing cards, mail the card of the same type as the old card. If the credit card bank no longer issues cards, it will mail similar cards after consultation with the cardholders.

If the cardholder does not want to continue to use the credit card, he can inform him when the customer service staff of the credit card contacts him. It should be noted that although a credit card cannot be swiped after its expiration, it should be cancelled when it is no longer used. Because many credit cards can be exempted from annual fees if they are swiped enough times or amount.

When replacing a new card, be sure to know the validity period of your credit card points. If the points expire with the expiration of the credit card (for example, the validity period of the credit card points of Guangfa Bank is the same as that of the credit card) or change, it must be handled in time. What can be used must not be wasted easily.

Extended data Credit Card (credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service. A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Reference: Baidu Encyclopedia Credit Card Entry