Question 1: How to deal with expired credit cards? At present, the destruction and recycling of expired credit cards is still a weak link in China, even in a blank position, and banks have no effective treatment methods. Most of the bank's handling methods suggest that cardholders cut a part of the magnetic stripe with scissors and handle it by themselves or hand it in with the business form. Most cardholders will cut out expired credit cards and throw them away or treat them as ordinary garbage. Now, it seems that there is still a long way to go to fully realize the recycling of discarded stem cards.

Question 2: How to deal with the old card after the credit card expires? If it meets the conditions for card replacement by the issuing bank, the issuing bank will issue a new card. When the new card is activated, the old card will be invalid, and the cardholder can destroy the old card by himself.

If the issuing bank does not issue a new card, the old card will become invalid when it expires. Cardholders can also destroy themselves. You can keep what you want to collect.

Question 3: What should I do after the credit card expires? You don't need to provide information, the bank will contact you on its own initiative. You just need to confirm that the address of the received card is correct, and wait for the bank to issue a new card, without paying any fees.

Question 4: What should I do if my credit card expires and I don't want to use it? After the credit card expires, cancel it if you don't want to use it. Without cancellation, the bank will not automatically cancel.

Question 5: What should I do if my credit card expires? Introduction: Credit cards are generally valid for 3-5 years. You can see the expiration date on the credit card. What if the credit card expires? This article will tell you what to pay attention to if your credit card expires and you are ready to continue using it. Credit cards in China are generally valid for 3-5 years. You can see the expiration date on the credit card. So what happens when the credit card expires? What should I do? What happens when the credit card expires? 1. will restrict the use of credit cards, and you can't withdraw money and spend freely; 2. The arrears are still valid and can be repaid by credit card; 3. Note: The expiration of the credit card does not mean cancellation, and an annual fee may still be charged; After the credit card expires, the cardholder can continue to use or cancel the card according to his own situation. If you intend to continue to use it: In foreign countries, banks will issue a new card to cardholders before the credit card expires. However, due to the worry about mailing, the practice of domestic banks is mainly divided into two ways. 1. You need to go to the bank to get it yourself. For example, ICBC's credit card expires: Peony Card Center will automatically change your card before the card expires 1 month, and international credit cards, debit cards and credit card exchanges will automatically deduct the annual fee from the card through the system. You can apply for a new card through the 24-hour service hotline 95588, and the international card service hotline is 0 10-95588. (If you don't want to change your card for the time being, please inform ICBC through the 24-hour service hotline 1 0 months before the card expires. ICBC can keep the card number for you for a certain period of time. If you need to continue to use the card in the future, you can contact the card replacement through the 24-hour service hotline. The validity period of CCB credit card: Longka credit card is valid for three years, and it will be invalid when it expires. The issuing bank provides cardholders with automatic card replacement service at maturity. (If the cardholder fails to change the card upon expiration, he shall notify the card issuing bank in writing or other forms recognized by the card issuing bank one month before the expiration of the card validity period. However, after the card expires, the outstanding creditor-debtor relationship under the Longka credit card account is still valid. 2. The bank will issue you a new card directly. For example, Minsheng Bank's credit card expires: Minsheng Credit Card is valid for 3 years, and the validity period is indicated on the front of the card. Minsheng Bank will take the initiative to issue you a new card before your card expires, and there is no need to go through any formalities. CMB credit card expires: CMB credit card is valid for 3 years, and a new card will be issued every 3 years. The front of the card indicates your expiration date. The credit card center will send you a new card by registered mail before your card expires, without any formalities. Matters needing attention after receiving the new card 1 The new card needs to be activated before it can be used; 2. For the sake of safety, please sign on the back of the credit card and cut off the old card without sending it back to the bank; 3. The debts and points of the old card will be transferred to the new card. If you don't use it after the expiration, if you decide not to use it, you'd better inform the bank one month in advance. Some banks will give cardholders a replacement notice before the credit card expires. For credit cards that are no longer used after expiration, the cardholder can sign the receipt and send it back to the bank within the specified time, and the bank will stop issuing new cards. In addition, for cardholders who are ready to send a receipt without changing their cards, don't send the credit card in the receipt. Now, when you cancel your card, you must show your credit card When handling credit cards, these things are all detailed in the application form contract given by the bank to customers. As long as everyone pays attention, there will be no unnecessary trouble.

Question 6: What will the bank do if the credit card is not returned when it expires? If you don't pay it back at maturity, you will be blacklisted for bad credit records. You can't borrow all the bank-related information, and you can't apply for a credit card. If you don't pay it back for a long time, the bank will sue you in court, and you will be enforced by the court and may go to jail. Personally, if you don't have this spending power, don't apply for a credit card, and you will lose your credit completely.

Question 7: What should I do if my credit card is overdue? It doesn't matter much every few days. Call the bank to see if I can not pay the late fee or charge it to my credit record.

Question 8: What if the credit card is about to expire? In the case of China Merchants Bank, the credit card will automatically expire after it expires. Our bank provides card replacement service upon expiration, and the new card is valid for five years. Two months before the credit card expires, our bank will send a text message to remind the cardholder to change the card, and the new card will be sent to the billing address. Tips:

1. Replace the card and issue a new card of the same kind as the original card. 2. If the old card type has been deactivated (SMS will remind you to change the card), other card types will be replaced after the expiration.

When the cardholder logs into the mobile banking within the validity period of the card replacement registration, he can select "Expired Card Replacement Registration" under the "Card Management" menu, and perform the card replacement related operations according to the prompts. You can't change your card directly at the branch.

Question 9: The credit card has expired. What if there is no new card? Call the bank and mail the new card.

Question 10: What should I do if China Merchants Bank's credit card expires? As long as your credit history remains relatively good during use.

For example, it is definitely possible to change categories.

Just call the customer hotline and tell him that your card is about to expire, and then they will do it for you according to your personal wishes.

However, in fact, you don't need to call them at all. When your credit card expires, as long as your credit history is good, they will take the initiative to call you and let you continue to use it.

At this time, you can switch to another category.

Of course, a credit card like China Merchants Bank is very good. They usually send you an email when it is about to expire, and then remind you that you can change your card online.

I changed my card online.