1. Do I have to repay my credit card in full when it expires?

No, when the card expires, the cardholder will receive a new card. Cardholders can choose full repayment, minimum repayment or installment repayment. Even if the credit card expires, the repayment function will not be affected. Users can still repay normally, and the repayment amount is not affected by the validity period of the credit card. However, if the cardholder no longer needs to use this credit card, he must choose to repay it in full before he can cancel it.

Generally, before the expiration of a credit card, the bank will actively communicate with the cardholder and ask whether to continue using it. At this time, it is decided how the cardholder should repay. If you continue to use it, you can repay it normally after the new card is issued to the cardholder. If you don't continue to use it, you need to repay it in full and then cancel it before it expires.

2. Can I use my credit card after it expires?

Credit cards can't be used after they expire. One month before the credit card expires, cardholders who meet the conditions for card replacement will receive a short message from the bank to remind them to change their cards when their credit cards expire. If you want to continue to use your credit card, you must apply to the bank for a new card and get a new card before you can continue to empty it. The card information of the new card is different from that of the card replaced after expiration, and the card number, security code, limit and validity period will also change.

Although the credit card expires, the credit card without timely renewal will not be used. However, if the cardholder still has outstanding credit card bills, the cardholder can still repay the credit card normally. Although expired credit cards cannot be consumed, the repayment function will not be affected.

3. Will my credit card be cancelled automatically if I don't change it after it expires?

After the credit card expires, the cardholder will not automatically cancel it without applying to the bank. If the cardholder wants to cancel the credit card, he needs to bring his ID card and credit card to the bank counter, fill in the application form for credit card cancellation and apply for credit card cancellation. If the debt is not paid off, it needs to be paid off in one lump sum at the scene. After paying off, you can cancel and stop using the credit card. The card will be officially cancelled after 46 days. After the official cancellation, the credit card can be destroyed.

All in all, the above are all about whether the credit card must be repaid in full when it expires. Although credit cards have a term of use, this term is relatively long. Cardholders will not change their cards frequently, and they can repay them slowly when they are due, so don't worry too much.

Special circumstances can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.