1. As long as the magnetic stripe can be read, it can be used, regardless of debit card or credit card. If you don't like it, you can call the customer service of the bank credit card and ask for a replacement of the damaged card and a new card with the same card number.

2. However, banks generally charge a handling fee, which is usually around 15 to 20 yuan. Or when the validity period of the credit card expires, mail a new card with the same card number one month before the deadline, and the validity period will be extended by 3 or 5 years. This is the replacement of expired cards, free of charge.