About a month before the cardholder's credit card is about to expire, the credit card center of the card issuer will notify the cardholder by phone or text message and ask whether a new card needs to be mailed. If you want to continue using it, you need to verify your mailing address and ask the credit card center to mail a new card as soon as possible. The new card can be used normally after activation, and the old card will be automatically scrapped. If the credit card bank used by the cardholder is still issuing the card, a card of the same type as the old card will be mailed. If the credit card bank is no longer issuing the card, a card of a similar type will be mailed after discussing with the cardholder.

If the cardholder no longer wants to use the credit card, he can inform the credit card customer service staff when contacting him. It should be noted that although the credit card cannot be used again after it expires, it is still required when the credit card is no longer used. Handle card cancellation. Because many credit cards require a sufficient number of swipes or a sufficient amount to waive the annual fee.

When changing to a new card, be sure to understand the validity period of your credit card points. If the points become invalid when the credit card expires (for example, the validity period of the Guangfa Bank credit card points is the same as the credit card) or change, you must deal with it in time. . Don’t waste the points you can use easily. Extended information

Credit Card, also called credit card. It is a non-cash transaction payment method and a simple credit service. A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.

Reference: Baidu Encyclopedia Credit Card Entry