It doesn't affect the use of card replacement if the credit card is replaced when it expires, as long as the credit card is always repaid as required.

according to article 63 of the measures for the supervision and administration of credit card business of commercial banks, the issuing bank shall provide card replacement service for cardholders who meet the conditions for card replacement. Unless the cardholder proposes not to renew the card, change the card or cancel the account upon expiration. The issuing bank shall not provide card replacement service for the credit card account that the cardholder has not activated within the validity period of the credit card.

article 64 the issuing bank shall provide credit card account cancellation service, and cancel the account for the cardholder in time after confirming that there is no outstanding amount in the credit card account. When the credit card is cancelled, the balance of the business procurement card account shall be transferred back to its corresponding unit settlement account. On the premise that the notification method is stipulated in the credit card collection contract (agreement) or written agreement, the issuing bank shall notify the cardholder of the upcoming changes in credit card articles of association, products and services in clear, concise and easy-to-understand language more than 45 days in advance.

Extended information:

Measures for the Supervision and Administration of Credit Card Business of Commercial Banks Article 49 The card-issuing bank shall establish operating rules for credit card activation, and check the identity information of credit card holders before activation. Credit cards whose contract (agreement) has not been signed by the applicant and whose identity has not been confirmed by the activation program shall not be activated. New credit cards, loss reporting and card replacement, damaged card replacement and expired card replacement must be activated before they can be used by cardholders.

the credit card cannot be charged without the cardholder's activation. Under special circumstances, except for the fees charged by the cardholder in writing, customer service telephone recording, electronic signature, and the way recognized by both the cardholder and the issuing bank, and the creditor-debtor relationship formed when changing the card.

Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks