The bank card needs to be replaced with a chip. At present, all chip cards have a validity period, of which the validity period of credit cards is about 5 years. If the credit card chip expires and cannot be swiped normally, the cardholder needs to bring his ID card to the bank to replace the card chip before it can be used normally.

When the savings card expires, the chip is damaged or the card is lost, the cardholder also needs to go to the bank to change the card.