After the credit card expires, it can be exchanged in different places. The operation method is as follows:

1. Cardholders can apply for a new card at the bank where the credit card belongs with their credit card and personal ID card.

2. Generally, the issuing bank will notify the cardholder by SMS or telephone before the credit card expires. Of course, the cardholder can also take the initiative to ask the bank to replace the new card before the credit card expires, so that the direct selling bank can send the new card to the designated address.

3. After the new card is replaced, the credit limit, points and arrears will be transferred to the new card. You don't have to return the expired card to the bank, just destroy it yourself.