The steps for renewing a credit card when it expires are as follows: confirm the renewal time, collect information, contact the bank, wait for review, and activate the new card.

1. Confirm the card renewal time: 1-2 months in advance, you can check the credit card expiration time through the credit card customer service, official website or app to facilitate timely card renewal.

2. Collect information: Prepare ID card, valid visa, income certificate, bank statements and other materials, and ensure that the validity period of these materials is within the card renewal period.

3. Contact the bank: Contact the bank through the credit card customer service phone number, official website or app, inform the bank that the card needs to be renewed, and provide relevant information.

4. Waiting for review: The bank will review the information, which usually takes 3-7 working days. After passing the review, the bank will send a new credit card.

5. Activate new card: After receiving the new card, you need to activate the new card through ATM or mobile banking. After activation, you can use it normally.