If the credit card is used normally without any abnormality, the bank will automatically replace the expired credit card. One week after the cardholder receives the automatic card replacement text message, he can pick it up at the credit card processing outlet or receive it by mail ( One week is mainly the internal transfer time of the bank) If the credit card has abnormal status such as freezing, cancellation of card qualifications, the bank will suspend card replacement for this type of credit card, and the cardholder must go to the credit card management department of the municipal branch of the card-issuing bank to check the abnormal status. Processing, the bank determines whether the cardholder can no longer use the bank's credit card.

If the credit card has been used for more than ten years or has not been used for two card replacement periods, the bank will automatically pre-cancel the credit card and the credit card cannot be used again.

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1. Will the credit card be automatically canceled if you do not replace it after it expires:

Generally, the validity period of a credit card is 3-5 years. Before the credit card expires, The bank will issue a renewal notice to the cardholder in one month. If the cardholder fails to renew the card in time when the credit card expires, the credit card will be invalidated and he will no longer be able to use the credit card for consumption. If the credit card still has unpaid bills when it expires, the cardholder can still repay the credit card normally.

2. Are the consequences of canceling a credit card serious?

1. The consequences of canceling a credit card are serious.

2. Generally speaking, when canceling a credit card, it is required that the card has no arrears or overpayments, which means that the card cannot owe 1 cent or more than 1 cent. Therefore, if you want to cancel a credit card, you can first stop using the card. After the bill is issued, repay the bill according to the bill amount before the repayment date, and then cancel it. If the credit card is canceled when there is a balance in arrears, it will have a negative impact on the user's other bank business in the future.

3. Another thing to note is that when you plan to cancel a credit card, you need to ensure that the card has no annual fee or has been used enough times to waive the annual fee. If the annual fee exemption requirement is not met, you should The annual fee may still be charged after the card is canceled. If not paid in time, it will be overdue and affect the credit record.

3. How to waive the credit card annual fee:

If the credit card has already incurred an annual fee, it will be deducted directly from the limit and recorded in the current bill. You must pay it back on time. However, as long as the conditions for exemption and reduction are met later and the bank can provide annual fee refund service, the bank can refund the annual fee deducted. For this suggestion, it is best to call the bank and ask the customer service to see if it can still be done. It cannot be reduced or reduced, and there are specific conditions for reduction.

Generally, non-annual fee cards can be deducted by the number of card swipes. After the annual fee is incurred, you only need to re-swipe the card, but some card types will be different. For example, the Bank of China Platinum Credit Card has an annual fee of RMB 800 and is exempted from the annual fee in the first year. If you spend 20,000 yuan or equivalent in RMB in that year and complete 12 transactions, the annual fee will be waived in the following year. However, if the annual fee is incurred, it is not supported for redemption. It can only be redeemed with 100,000 personal comprehensive points, and only the annual fees collected in 2019 and 2020 can be redeemed. Other years are not supported, which is very depressing. .

Finally, it should be reminded that if the credit card has already met the conditions for exemption after the annual fee is incurred, you must also pay attention to the credit time. It will usually be refunded on the next bill after reaching the standard. If there is a debt on the credit card, it may The arrears will be offset, and there will usually be a text message notification. If you are really unsure, you can call customer service.