1. To cancel an expired credit card, just call the credit card customer service center to apply for cancellation. After the bank accepts the application to cancel the expired credit card, a dedicated staff member will contact you. During this period, there must be no credit or debt in order for the cancellation to be successful. After canceling, call to check the cancellation status of the expired credit card to confirm whether it has been successfully canceled.

2. After canceling the credit card, use scissors to cut off the magnetic strip of the card so that the information is not easily leaked

When you find that your credit card has expired, you must send the card back to the bank in time. Otherwise, you still need to pay an annual fee every year, which is not cost-effective. 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 sent by the bank, which will indicate the credit card usage period, repayment date, etc.

If you can't find your paper, look for the number with the slash symbol on the side of the credit card number. For example, 06/24 means that the expiration date of your credit card is June 2024. Generally speaking, the usage period of many bank credit cards is between three and five years. If you are really unsure, you can call the bank staff and ask.

What to do when your credit card expires:

If you find that your credit card has expired and you still want to continue using it, you can contact the bank one month in advance and ask for a new credit card. Otherwise, you will not be able to use it after it expires, and some banks may send you a new card before the credit card expires. If you don't contact them in advance, you can prevent the card from not being received when you change your address. Or if you don’t want to use it and plan to cancel it, it would be troublesome to send a new credit card.

Activate a new credit card

After the credit card expires, the original old card can still be used. After you activate the new card, the original credit card is useless. Some people may forget to activate it, and if the old card happens to be lost, they will lose their funds. Therefore, if you want to continue using your credit card, you must remember to activate the new card in time.

Since the original old card can no longer be used after activation, for the sake of safety, it is best to cut off the magnetic stripe of the old card to avoid theft. Because the credit card will be automatically canceled after it expires, but at this time only the card will be automatically canceled and the account will not be automatically closed. In other words, your account still exists. If you no longer want to use it, you need to go to the bank to apply for cancellation of the account.

In fact, if we use credit cards rationally, it will be very beneficial to the circulation of our funds. But if you don't control your consumption, it will cause a lot of "risks". Moreover, credit cards are easy to be stolen, so we still need to pay attention during daily use.

When swiping your card for consumption, you must protect your card information. Do not disclose your card number to strangers at will to ensure the safety of your property. Although consumption in advance has become one of the methods acceptable to most people, you still need to exercise restraint on the amount of your consumption. Spend rationally and plan your funds reasonably so that there will be no overdue situations