it will automatically expire after expiration, and our bank will provide card replacement service upon expiration, and the new card will be valid for five years. Two months before the credit card expires, our bank will send a short message to remind the cardholder to change the card, and the new card will be sent to the billing address. Tips: 1. Replace the card and issue a new card with the same kind as the original card. 2. If the old card type has been stopped (SMS will remind you of card replacement), other card types will be replaced after the expiration. When the cardholder logs into the mobile banking within the validity period of card replacement registration, he can select "Expired Card Replacement Registration" under the "Card Management" menu and perform card replacement related operations according to the prompts. It is not possible to change the card directly at the branch.