1. First, the bank will send a card replacement notice to the cardholder before the credit card expires. For credit cards that are no longer used after expiration, the cardholder can sign a replacement receipt and send it back to the bank within the specified time, and the bank will stop updating the new card. Then, in the next two years, banks will no longer charge annual fees.

Secondly, credit card replacement must be handled at the issuing bank. If the cardholder needs to change the receiving bank due to work reasons or home address, he can fill in the "address of the new receiving online store" on the card replacement notice and send it back to the bank. The longest service life of credit card replacement depends on the end of the month marked on the card face. Cardholders can change their cards at the issuing bank and carry their ID cards in the designated month. At the same time, the bank will charge an appropriate production fee and deduct the annual fee for two years from the credit card.

3. Finally, don't send a credit card in the receipt for cardholders who are going to send a receipt without changing their cards. In the future, when they cancel their credit cards, they must show their credit cards.

1. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and it will be repaid on the day of collection. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the cardholder has a certain credit limit and can repay before spending within the credit limit; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of petty cash according to the regulations, and when the balance of the petty cash account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally only refer to credit cards.

2. The main function of credit card: We don't encourage cash deposit, we should spend it first and then repay it. We enjoy an interest-free repayment period, and can repay in installments (with a minimum repayment amount), and join international credit card organizations such as visa, mastercard and JCB for global use. This is one of the fastest growing financial businesses today. It is an electronic currency that can replace the traditional cash flow to some extent.

3. It also has two functions: payment and credit; Cardholders can buy goods or enjoy services, or use credit cards to obtain certain loans from card issuers; It is a high-tech product integrating financial business and computer technology; Can reduce the use of cash currency; Provide settlement services to facilitate shopping and consumption and enhance the sense of security; It can simplify the collection procedure and save social labor; It can promote commodity sales and stimulate social demand.