When the credit card expires, the bank refuses to renew it for the user. This is because when users use the last card, it is often expired or illegally used. The bank thinks that users are risky customers, so it refuses to issue new cards to users. Therefore, users can only try to apply for a new credit card, and there is a certain chance that the new card application will not pass the examination.

In the process of using a credit card, users must pay attention to using the card according to the regulations, and do not generate overdue records, so that the bank will issue new cards to users before the credit card expires.

1. If the credit card status is normal, you will receive the replacement information from the bank one to two months before the credit card expires. Generally speaking, banks will not refuse to change cards. However, if the bank stops using your credit card due to serious overdue or illegal card use after receiving the text message, it will definitely not help you change your card. If the credit card is in an abnormal state and is frozen, frozen or stopped by the bank before it expires, the bank will definitely not change it for you, or even send you a text message to change it. In short, the bank only provides card replacement services for all ordinary credit cards, and does not rule out the possibility of re-approving the cardholder's qualification before card replacement. Especially the old card is taller than the new card. If it does not exceed the standard, it is likely to refuse to change the card.

2. What if the credit card is refused when it expires? There is no complete solution unless we try to get the bank to resume the normal use of credit cards before changing cards. Otherwise, if the card change is rejected, you can only re-apply for the bank's credit card, and the difficulty coefficient of swiping the card will be relatively large. Because old cards are likely to be blacklisted or even blacklisted by banks, banks will be more cautious when approving new cards. Therefore, if you want to change your credit card when it expires without being rejected, you must maintain a stable good habit, swipe your card two months before the credit card expires, repay it on time and use your standard card.

3. After the credit card expires, the bank will not renew it. First, it does not meet the conditions for card replacement, and second, the cardholder applies for not changing the card. The specific points are as follows: credit card upgrade and card transfer: for example, if a gold card is upgraded to a platinum card, the validity period, security code and other information will change. A new credit card will be issued, but the old card will not be updated. The longest credit card can be used until the credit card expiration date.

Why can't a damaged credit card be reissued?

First, the cardholder's credit card status is normal. If the credit card is damaged, you can call the customer service phone of the credit card center to handle the damaged replacement. Except for a few kinds of cards and business cards, damaged and reissued credit cards require a certain handling fee.

Second, the new card will be mailed to the cardholder's billing address. When the cardholder replenishes the card, he should check the correct billing address with the customer service.

3. If the current credit card is in overdue frozen state and the card status is abnormal, it cannot be damaged and reissued normally. The cardholder should pay off the arrears first, and then confirm with the customer service that the card can be restarted before handling the damage replacement.

What's wrong with the rural commercial credit card showing that it can't be replenished?

It may be the following situations: 1, the credit card is not activated. 2 The credit card is overdue seriously. 3. The cardholder does not meet the requirements of the bank for a new card.

Why can't Pudong Credit Card be recharged?

It can be reissued.

If the cardholder's credit card is stolen or lost, he should immediately call the customer service telephone number of Shanghai Pudong Development Bank at 400-820-8788 or 02 1-38784988 to report the loss through manual customer service. After confirming that I couldn't find it back, I took my valid ID card and went to the business outlets of Shanghai Pudong Development Bank to reissue it.

Why can't I get my credit card back if I lose it?

Report the loss and apply for a new card. If you can't make it up, it means that your credit card has been abnormal before reporting the loss (usually the credit card is overdue for too long or frozen by the bank).

If you don't ask for a replacement card when reporting the loss, you can't apply for a replacement card before reporting the loss. Because reporting the loss and not replacing the card is equivalent to canceling the card. If you want to reapply, the general bank will remind you before this operation. Once you choose not to replace the card, you cannot change it to a replacement card.

What is the reason why BOC's credit card can't be reissued?

A credit card that has been deactivated cannot be reissued. At the same time, if the credit card is over-limit, overdue or stopped, it may not be reissued. For details, please call the credit card customer service hotline 4006695566 for further consultation.

The above contents are for your reference. Please refer to the actual business regulations.

This concludes the introduction of why credit cards cannot be reissued and inactive credit cards can be reissued. I wonder if you have found the information you need?