1. Take the credit card of China Merchants Bank as an example. If you still want to use that credit card, when China Merchants Bank's credit card is about to expire, the bank staff will take the initiative to issue you a new credit card, and the balance in the old credit card will be automatically transferred to the new card.

If you don't want to use that card and want to cancel it, you can remit the balance in the card to your debit card through customer service.

3. Then call China Merchants Bank's credit card customer service phone to switch to manual service, and then apply to remit the excess money beyond the credit card limit to your current account (it can be China Merchants Bank card or debit card from other banks).

However, this method will charge a certain handling fee, calculated at 0.5% of the remittance amount. Generally, 5 yuan started.