Everbright Smart Business Card is a credit card, which was launched by China Everbright Bank. When there is still debt after the credit card expires, the bank will generally take the initiative to contact the cardholder and ask him to repay. If the cardholder agrees to change another card, the authorized amount of the original credit card, all bills owed or other points will be directly transferred to the new card. If the customer doesn't want to use the credit card any more, he can pay the bill first and then apply for cancellation.

If the customer can't pay off the bill in full, he can apply for bill installment or minimum repayment amount. As for the old card, you don't need to send it back to the bank, just cut off the magnetic stripe or chip and throw it away.