First, the bank will send a card replacement notice to the cardholder before the credit card expires. For credit cards that are no longer used after expiration, the cardholder can sign the receipt of the card that has not been changed and send it back to the bank within the specified time, and the bank will stop issuing new cards. Then, banks will no longer charge annual fees for the next two years.

Secondly, you must go to the issuing bank to change your credit card. If the cardholder needs to change the card receiving bank due to work, home address and other reasons, he can fill in the "new address of the card receiving store" on the card replacement notice and send it back to the bank.

Third, the longest service life of credit card replacement depends on the end of the month marked on the card face. Cardholders can change their cards with their ID cards at the issuing bank within the marked month. At the same time, the bank will charge an appropriate fee, and the one-time two-year annual fee will be deducted from the credit card.

Finally, for cardholders who are going to send a receipt without changing their cards, don't send credit cards in the receipt. In the future, they must show their credit cards when they cancel their cards.