1. What should I do if my credit card expires?

There are two ways to deal with it, one is to replace the card with a new one, and the other is to cancel the old card . When a credit card is about to expire, the card issuer will send a brief text message reminder and ask if the credit card needs to be renewed. However, most banks will renew credit cards by default and mail them to the cardholder one month before the card expires.

This new card is exactly the same as the expired card, the amount on the card is the same, and the bill has not changed. It can be activated directly and the points from the old card will be transferred to the new card.

If the cardholder does not want a new card, he can call the bank before the credit card expires to indicate that he wants to cancel the credit card, tell the bank that you do not need to get a new card, and then take the old card to the counter to apply Cancel the credit card, but the amount on the credit card should be paid off before canceling.

2. What to do if the credit card has expired but has not been repaid

In fact, failure to repay the credit card does not affect the renewal of the credit card. Unless the credit card has been frozen or stopped by the bank before renewal, or the cardholder applies to the bank not to renew, the bank will send a new card. If a credit card is not renewed after it expires, the old card can only be used on the last day of the month it expires, but the credit card balance does not have to be paid in full. Generally speaking, just repay according to the bill.

If there is an installment debt, it will always be repaid on a monthly basis, and the cardholder can also repay it in advance in one go or continue to repay it on a monthly basis. But be careful about the repayment method. After all, when a credit card expires, you can't use it to pay off the loan. Repayment can only be made through credit card number transfer, and must be repaid within the specified repayment time.

3. How to check the expiration date of a credit card

To know the validity period of a credit card, we can check it directly on the card surface. The expiration date of your credit card will be clearly marked on the card face, usually underneath the credit card number. The expiration date of the credit card is printed on the front of the card in months/years. For example, if the number 10/26 is printed on the front of a credit card, it means the credit card is valid until October 2026. When a credit card exceeds this period, it can no longer be used.

The validity period of credit cards is generally 3-5 years. Please refer to the actual expiration date printed on your credit card. Since a credit card cannot be used after it expires, cardholders are advised to pay attention to the validity period of their credit cards.

Having said all that, everyone now has a clearer idea of ??what to do when the credit card’s expiry date expires. If the credit card’s expiry date is about to expire, friends must quickly decide whether to continue using the new card or cancel the old card. No longer used.

If there are any unclear or new situations, we recommend that you call us directly for free consultation so that you can understand the communication case situation and provide you with detailed and targeted answers to avoid problems due to incomplete information and poor communication. , the answer is wrong.