You can check your credit report when changing your postal bank card.

Whether to check your credit report when replacing a credit card when it expires? Everyone’s situation is different and cannot be generalized. If you have maintained a good repayment record before changing your credit card, and there have been no illegal operations, then when you change the card, the bank will usually change it directly for you and will not check the personal credit report. If there was overdue repayment in the past, when changing the card, the bank may check the personal credit report, mainly to see if the cardholder has recently had other credit cards or loans that have been overdue repayment. The debt ratio in a person's name is used to evaluate whether the person can repay the loan on time in the future.

There are several prerequisites for replacing a credit card when it expires. One is that the current status of the credit card is normal, that is, it has not been blocked, stopped paying, frozen, etc. In simple terms, it means that the card can be used normally for consumption; the other is The cardholder did not apply to the bank to terminate the use of the card.

After the credit card is replaced, except for the change in the validity period, there are no other changes. Some will change the card number, and the validity period of the new card will be extended. There will be an application date and validity under the card number on the front of the card. The date is displayed in the form of XX (month)/XX (year). Please fill it in according to the interface prompts. As of the end of the valid month, the validity period is generally 5 years. UnionPay regular cards and UnionPay gold cards are currently valid for 8 years.