You don't need to reissue your credit card when it expires. Before your credit card expires, the bank will usually reissue a new card for you. If you don't apply to the bank for non-renewal one month before the card expires, the bank will regard it as a customer's request for renewal and prefabricate a new card. If the bank has no telephone notification, you can call the credit card customer service phone to apply for a replacement.

When you reissue a credit card, you should pay attention to the fact that once the mailing address of the credit card changes, you must notify the bank to make changes to avoid the loss of the credit card and bring unnecessary trouble.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve funds according to the regulations, and when the balance of the reserve fund account is insufficient, it can be overdrawn within the prescribed credit limit.

The function of credit card: it is convenient for people's life, eliminating the trouble of carrying cash, and there is no geographical restriction on using credit card. No matter where you swipe your card in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee; Be able to participate in various preferential discount activities in cooperation between merchants and banks; Credit card spending points can be exchanged for gifts and so on.

Credit card is useful: it can alleviate economic pressure and owe little or no human feelings; You can add points to your credit information. You can make rational use of rules and activities and receive gifts from banks for free. For example, some banks can receive suitcases for free.

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standard for public services was formally implemented, and the English names of credit cards were specified.

Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.