Bank of Communications credit card will be invalid if it is not replaced when it expires. At this time, the credit card cannot be used. Therefore, when the cardholder intends to continue to use the credit card, it is best to change the card. Generally, when the credit card of Bank of Communications is about to expire, the bank will take the initiative to contact the user and then go through the relevant card replacement procedures.

Generally, you can get a new card within 15 days after the Bank of Communications credit card is reissued, and you can activate it at this time. After activation, the new card will inherit the attributes of the old card, such as repayment date and billing date. It should be noted that the credit limit of Bank of Communications may be increased when changing credit cards.

How much the credit card exchange quota of Bank of Communications will increase depends on the usual use of credit card users. If they often use credit cards to pay back on time, the bank will increase the quota. If the credit card is often overdue after use, the bank will refuse to increase the limit.

Users must repay on time after using the Bank of Communications credit card, and there can be no overdue repayment. Generally, there will be penalty interest after overdue repayment, and the longer the time, the more penalty interest will be generated. In fact, when the credit card can't repay on time, it can be repaid by installments or the minimum repayment amount.