Will the credit card be automatically cancelled after it expires? Credit cards are usually used for 3 to 5 years. Many people think that credit cards will be automatically cancelled after they expire, and there is no need to apply for cancellation. Is that really the case? Let's take a look!

Will the credit card be automatically cancelled after it expires?

Credit cards will not be automatically cancelled when they expire. Need to go to the bank to cancel or call customer service to cancel. But the general credit card cancellation is divided into two situations:

1, credit card is not activated.

If it is not activated within the validity period, the expired bank will not renew the card. In this case, it will be automatically cancelled, and the cardholder does not need to apply again. In order to avoid information leakage, it is best to cut the expired credit card.

2. Activated credit card

If the credit card is in normal condition and meets the necessary conditions, the bank will send the new card to the cardholder's billing address one month before its expiration. If the cardholder does not intend to use the card, it is best to apply to the bank for not renewing the card immediately after receiving the notice of card replacement due from the bank, so that the bank will not issue a new card.

After getting a new card, even if it is not activated, the validity period will be recalculated, because the credit card will not be automatically cancelled during the validity period. If the cardholder does not want to use the card, he needs to pay off the arrears and apply to the bank for account cancellation, and ensure that the credit card has no arrears and balance during the pre-cancellation period.

Precautions related to credit card cancellation:

1. When canceling, you should consider whether to cancel the card or cancel the account. If there are other credit cards under the same bank name and you want to cancel them all, you can choose to cancel the account;

2. If you only want to cancel one of the cards, choose to cancel the card.

3. After cancellation, you must call the bank on the 46th day to confirm whether the cancellation is successful.

The above is "will the credit card be automatically cancelled when it expires?" No matter whether the bank is required to issue a new card or cancel the card, it must be destroyed in time after the card is not used to avoid personal information disclosure and security risks.