1, phone card cancellation, many banks' credit cards can be cancelled by just making a phone call. Before canceling the credit card, make sure that there is no debt and no balance in the account, then call the credit card customer service to transfer to manual service and apply for canceling the credit card directly from the manual customer service.
2, outlets pin card. Some banks also need to bring their ID cards and credit cards to the bank to cancel their cards. They need to fill out an account cancellation application form and will call you to confirm it in a few days.
3. Going to the bank counter to cancel, just like going to the outlet to cancel the card, you need to bring the necessary documents, such as ID card and credit card. If the credit card is in arrears, you need to bring cash at the same time.
Can I use my credit card after it expires?
Credit cards have a certain period of validity. After the expiration, the credit card can no longer be used. If you need to continue to use your credit card, you can apply to the bank for card replacement through customer service phone or directly to the business outlets, and you can continue to use the new credit card after replacing it.
However, changing a credit card does not mean that the credit card limit will be adjusted. If you use your credit card frequently and keep a good repayment record, you can take the initiative to apply for withdrawal from the bank after half a year.
How long is the validity of a general credit card?
Credit cards are generally valid for three to five years, and the validity period is counted from the date of issuance of credit cards. The expiration date of a credit card is clearly marked on the front of your credit card. The validity period of a credit card is generally below the credit card number, and the standard format is one month before and one day after. For example, if the credit card shows 08/ 16, it means that your credit card is valid for August 20 16.
If your current credit card is reissued, the validity period is the same as the original one, but if it is reissued, the specific date is on the credit card you have now.
How to check the credit card usage period?
If you find that your credit card has expired, you must send it back to the bank in time, otherwise you will have to pay an annual fee every year, which is very uneconomical. However, many people don't know how to check the credit card usage period. One way is to look at the paper in the credit card issued by the bank, which will indicate the use period and repayment date of the credit card.
If you can't find your paper, find the numbers with diagonal symbols on the number side of the credit card. For example, 06/24 means that your credit card will be used in June 2024. In general, many bank credit cards have a service life of three to five years. If you are really unclear, you can call the bank staff.
What if the credit card expires?
If you find that you want to continue to use your credit card after it expires, you can contact the bank one month in advance and ask for a new credit card. Otherwise, you can't continue to use it after it expires, and some banks may issue you a new card before the credit card expires. If you don't contact in advance, you can prevent the address from changing and not receiving it. Or you don't want to use it, and you plan to cancel it. It is more troublesome to issue a new credit card.