1. Replace a new credit card: When the bank's credit card is about to expire, the issuing bank will send a text message to know whether it is necessary to renew the card. However, most banks renew their cards by default, and generally mail them to cardholders one month before the credit card expires. The new credit card mailed back is exactly the same as the expired one, and the credit card bill will not change. Can be activated directly, and the points on the old card will be transferred to the new card;

2. Cancel the credit card: If the user doesn't want it, he can call the bank before the credit card expires, indicating that he wants to cancel the account and does not need to apply for a new credit card. Then he will settle the loan and take his old card to the counter to apply for cancellation.