How to change a credit card?

There are three ways to renew your credit card when it expires:

Method 1: Call the credit card customer service hotline. Use your registered mobile phone to call the credit card customer service hotline and tell the customer service personal information and the mailing address of the new card. Generally, the new card can be issued from the bank in half a month, and you can receive the new card in about a month.

The customer service telephone numbers of each bank are as follows:

Industrial and Commercial Bank of China: 95588;

China Construction Bank: 95533;

China Merchants Bank: 95555 ;

Agricultural Bank of China: 95599;

China Minsheng Bank: 95568;

Shenzhen Development Bank: 95501;

Guangfa Bank: 800-830-8003;

Industrial Development Bank: 95561;

Postal Savings Bank of China: 95580;

Bank of Beijing: 95526;

Shanghai Pudong Development Bank: 95528;

Bank of Communications: 95559;

China Everbright Bank: 95595;

Ping An Bank: 95511;

Bank of China: 95566.

Generally, the bank customer service will proactively contact you one month before the card expires. Please pay attention to keeping your registered mobile phone open.

Method 2: Go to the bank counter to change the card. You can directly apply for a new card at the counter of the card-issuing bank. Fill in the relevant information at the bank service desk and handle it at the counter. It usually takes about a month to receive the new card. Remember to go to the card issuing bank.

Method 3: Apply for card replacement through online banking. The online banking of some banks can set up automatic card replacement services upon expiration, and you can independently set up automatic card replacement upon expiration.

Operating environment: Industrial and Commercial Bank of China (version 6.1.0.9.0)

Bank of China (version 7.1.0)

China Construction Bank (version 5.5. 7.001)

How to operate after the credit card expires

1. Students who do not want to continue using the credit card, please read here (those who want to continue using it can skip):

If your credit card is about to expire and you have decided not to use it again, you can explain to the card issuer one month in advance, apply for card cancellation, and pay off the overdraft, because even if the card expires, if you do not If you continue to use it, the balance on the card will still exist.

Failure to repay the loan on the final payment date will also result in a bad credit record, which may affect future loan applications.

After paying off the outstanding balance, you only need to take your credit card and personal ID card to the card-issuing bank to handle the card cancellation procedure.

2. For students who still want to continue using their credit cards, please see here:

Generally, the card-issuing bank will notify the cardholder via text message or phone call before the credit card expires. People can also take the initiative to ask the bank to replace the card with a new one before the credit card expires.

Cardholders can go to the bank with their credit card and personal ID card to pick up a new card, or they can have the bank send the new card to a designated address.

After changing to a new card, the credit limit, points, outstanding balance, etc. will be transferred to the new card. Expired cards do not need to be returned to the bank, they just need to be destroyed.

How to replace the ICBC card when it expires

1. Enter the ICBC mobile APP and click on Credit Card.

2. Then click Settings.

3. Click Basic Settings.

4. Then click Change Card.

The ICBC debit card has a limited period of use of 10 years. After the validity period expires, the card cannot be used regularly.

Replace your card online (delivered to your home or picked up at a branch):

1. Log in to ICBC mobile banking, click "Favorites" - "My Account" - "More ”—“Change card without changing number” to apply for card change.

2. Log in to ICBC online banking, click "All" - "Messenger Appointment" - "Branch Appointment" to apply for card replacement.

3. Use the WeChat applet "ICBC Service" and select "Change card without changing number" to apply for card replacement.

Offline card replacement: The cardholder can bring his/her savings card and valid ID to apply for card replacement at any ICBC branch nationwide.

In addition, the card will be sent to the cardholder within 30 days for online postal card replacement. For online self-pickup and card replacement, the cardholder needs to bring a valid ID and the old card (the number will not be changed if the card is reported lost and replaced) No need to provide) Go to the original outlet to collect it.

Generally, when an ICBC credit card expires, it depends on the region. In some places, the bank will notify you in advance to change the card or to pick up the card. In some places, you need to take the initiative to change the card. If you want to change the card, you can just call and choose an outlet to change the card. Pick.

We can call the credit card manual service and ask if our card replacement business is accepted (you must call in person, if he is not sure, you can ask him to turn on the hands-free and listen), if so If there is no progress for a long time, you can ask them to register a business inquiry to help you check, we will still wait patiently; or if it is more convenient, go directly to the card department in the local city to check whether there is a new card or report the loss directly. It takes 5 days for a new card to be issued. Pick up after 3 working days (subject to change).

In real life, if you continue to use the card, as long as the phone is open, they will usually contact us one month before expiration and ask us if we continue to use it. If we agree to change the card, they will take the initiative to help us deal with it. If you receive a call or the card has expired or needs to be replaced in advance, you can directly call customer service to handle it online. If you don't use it, you can cancel it if there is no outstanding balance on the card. The card cannot be used after it expires.

Operating environment: OPPOReno6 Android system ColorOSV11.1

ICBC mobile APP: 6.1.0.3.5

My ICBC card is too old. I want to get a new one without changing it, is that okay? what to do?

If your card is a debit card, the ICBC chip debit card is valid for 10 years. Before or after expiration, you can bring your valid ID and card to an outlet to go through the expiration card replacement procedures. For debit cards starting with "62", you can change the card without changing the number through mobile banking, "ICBC Service" WeChat applet and other channels.

If your card is a credit card, and if the credit card will expire within 1 month, please log in to the ICBC e-Life App, select the corresponding card through the "Finance" page, and click "Settings-Basic Settings- Replace the card after the appointment has expired" to process the card replacement when the appointment has expired; if the credit card has expired, please call 95588 to replace the card through the credit card manual service. The validity period of the new card will be extended from the date of acceptance.

(Answer time: December 9, 2021. In case of business changes, please refer to the actual situation.)

How to replace the ICBC credit card when it expires

ICBC credit card replacement process:

First of all, ICBC will send a credit card expiry replacement notice to the cardholder or the cardholder himself before the credit card expires. You can also purchase it on the ICBC credit card Before expiration, call ICBC to request a card replacement. The maximum useful life of a credit card replacement is until the end of the month marked on the card. If the cardholder no longer wants to use the credit card after the credit card expires, the cardholder can sign the receipt for not replacing the card and send it back to the bank ICBC within the specified time. The card will be stopped from being replaced and the card will be automatically replaced after expiration. Logout.

Secondly, after receiving the cardholder’s request for card replacement, ICBC will issue a new card to the cardholder. The cardholder can use the new card after activating it. The old card will generally be invalidated automatically. Some ICBC will The cardholder is required to cancel the card.

How to redeem ICBC credit card points

Please log in to mobile banking, select the "Life (Benefit Selection) - Points" function, and use your personal comprehensive points to redeem products. Please refer to the regulations and displays of each region for specific redemption conditions.

(Answer time: April 22, 2022. In case of business changes, please refer to the actual situation.)

This is the introduction of how to change industrial and commercial credit cards.