1. How to deal with expired credit cards?

1. If your credit card expires, you can contact the bank customer service directly. Generally, credit cards have a validity period, usually five years. You can look at the four digits below the card number. The format of the four digits is "month/year". For example, 10/20 means that the expiration date of the credit card is 10/30 in 2020.

2. But some banks need to go to the counter of the issuing bank, so if we contact the customer service, the customer service will tell us the materials needed to handle the expired credit card, and we can go directly to the issuing bank with the relevant materials, and then we can get a new card with the same original card number.

2. Can I use my credit card after it expires?

1, the credit card is expired and cannot be used. When swiping the card, you will be prompted that it is an invalid credit card or a non-circulating card. If you plan to continue to use your credit card, you need to change it at the bank. Some of them can be done directly online, and the new card will be mailed to you.

At present, no matter what grade of credit card is valid, once the validity period has passed, it can't be used normally. In order to avoid the embarrassing situation when the user swipes the card, the general bank will send a text message one month in advance to remind the user to either apply for an extension or return the card.

3. What are the credit card cancellation methods?

1, calling card cancelled

If you don't want to use a credit card, be sure to cancel it, because there will be an annual fee if you don't apply. If the annual fee is not settled in time, it will be regarded as arrears. For friends who don't have enough time, you can call directly to cancel the card.

2, outlets pin card

If you don't think it's reliable to sell your card by phone, then I suggest you bring your ID card and the way to sell your card at any local credit card outlet. First, you need to fill in the application form for account cancellation, and then the bank staff will cancel the credit card according to the user's requirements.

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