After the credit card expires within a limited period, it will not be automatically cancelled.
Credit cards are generally valid for three years;
At the end of three years, the bank credit card center will evaluate the credit situation;
If you use it well and repay it on time, the service life will be extended; (Send a new credit card)
If the credit is bad and the repayment is not made on time, the extension will not be extended.
I changed my job in the city. How about the credit card of Bank of Communications? Credit cards are basically used everywhere, regardless of region.
You should call the customer service department and ask him to help you change your billing address.
What if there is no work certificate? Bank of communications credit card can't handle credit card without work certificate.
Without a work certificate, the bank will think that the applicant does not have the repayment ability and will not pass the credit review.
To apply for a credit card, you need to meet the following conditions:
(1) Required documents
1, ID file
Domestic residents: a copy of the applicant's identity certificate or military officer's card.
Overseas residents: (A and B must be provided at the same time) A. Hong Kong and Macao residents should provide copies of their return certificates, Taiwan Province residents should provide copies of their passports, and other foreigners should provide copies of their passports. B. Copy of domestic residence certificate or temporary residence certificate
2. Work certificate and receipt documents
A work certificate: a copy of work permit or work identity certificate or the original work certificate stamped with the official seal of the unit.
B proof of income: the salary payment record of the last three months issued by the bank (copy of the payroll card statement) or the copy of the personal income tax withholding certificate issued by the unit or the original income certificate.
(2) Other supporting documents (please provide them as much as possible, which will help to increase the credit limit)
Education, professional title, professional qualification certificate, self-owned real estate license, self-owned car driving license, copy of bank time deposit certificate, telephone number of current residence in the last three months, original water, electricity and gas bill, other bank credit card documents (original statement of the last three periods), etc.
Credit card processing flow:
1, fill in the application form;
2, to the bank's own information, and a copy;
3. The bank sends it to the credit card center;
4, credit card center audit, business card printing, card issuing;
5. After getting the card, open the card and wait for the password letter.
What if the bank of communications credit card has no job? What if there is no job? You can try to apply online. At present, you can apply for a credit card by clicking the following link:: creditcardapp. bankm。 /apply new/front/apply/new/identity。
What if the Bank of Communications credit card has not expired? Five measures can temporarily avoid the overdue credit card and ensure the cardholder's personal credit record.
1. Time tolerance: If the repayment money can be raised within one or two days after the final repayment date, you can use the delayed repayment service of the issuing bank (except ICBC, there is a time tolerance repayment service of one to five days at present). For the sake of safety, it is best to call the customer service phone of the issuing bank in advance to understand the specific rules for delaying repayment.
2. Apply to change the billing statement: Most banks' credit cards can change the billing statement after half a year of normal use. If it is found that the current consumption is too high and it is difficult to repay in full, you can apply for changing the billing date, so that you can get an interest-free period for a certain period of time.
3. Repayment according to the minimum repayment amount: The issuing bank allows the cardholder to repay according to the minimum repayment amount (about 10% of the bill amount), which can avoid the overdue of the credit card and prolong the repayment time. However, when repayment is made according to the minimum repayment amount, the consumption in the bill will no longer enjoy the interest-free period, and it is necessary to pay five ten thousandths of interest every day from the consumption date.
4. Apply for bill installment: The cardholder can apply for repayment of the current bill by installment after the bill date and before the final repayment date. Repayment by installment can greatly reduce the repayment pressure, but the disadvantage is that the installment fee is high.
5. Credit card repayment: Credit card repayment means that the third party helps the cardholder to repay the credit card bill first, and then the cardholder repays it to the third party platform, and the rate is lower than the credit card installment. At present, credit card replacement products include "saving money", "paying back money" and "paying back for you".
How to inform Bank of Communications that the credit card has expired and a new card has been issued? Generally, it is the due month. If a new card is issued voluntarily, a card issuing message will be sent to the cardholder's mobile phone. After the new card is activated, the old card is invalid and destroyed by itself. If the address of the card you received changes, you should contact customer service in advance to change the billing address.
Can I change my bank of communications credit card when it expires? It is impossible to change the card.
But you can directly apply for a credit card with the theme you need, and then cancel this one.
How to write the credit card work certificate of Bank of Communications? Tiangang Shi Sheng Technology Co., Ltd. specializes in POS machine sales credit card processing! Pay attention to "the highest day of prosperity", and there are small gifts from time to time!
Novices should pay special attention to the following points when using credit cards:
(1) The issuing bank must pay special attention when offering special discounts to attract consumers to apply for credit cards in the first year. These promotions are usually short-term, so don't be confused for a moment. When choosing a credit card, you should give priority to long-term interests.
(2) Avoid applying for more cards than you can bear. Evaluate your consumption habits, needs and financial situation before deciding how many credit cards you need to choose.
(3) Be sure to sign the new card as soon as you receive it, and cut the old card into pieces to avoid fraudulent use.
(4) Be sure to take good care of your credit card and report the loss immediately if it is lost.
(5) Whether it is a credit card or a charge card, you must keep a good credit record.
(6) It is convenient to borrow cash in advance, but the cost is high.
(7) Using revolving credit can help you manage your finances, but it should be noted that revolving credit is a kind of credit loan, so that you don't have to pay off all the consumption amount at one time during the payment period, as long as you pay a part of the amount before each payment period, but revolving credit must pay interest separately.
(8) Prevent credit card fraud.
(9) When changing the new address or contact telephone number, immediately notify the issuing bank.
(10) There is no extra charge for spending by credit card in the special store.
(1 1) If it is collected by the collection unit because it has not paid, it has the responsibility to pay off the arrears immediately, and if the circumstances are serious, it will bear legal responsibility.
Does Bank of Communications send the card directly when it expires? Customer service will call you and ask you for specific information, such as urgent address, and send it directly to you.
How to deduct money from the overdue credit card of Bank of Communications? If the credit card fails to repay after overdraft consumption or the repayment is lower than the minimum repayment amount, it shall be deemed as overdue. If the credit card is overdue, you will not enjoy the interest-free period, and you will have to pay a late fee.
Credit card late payment fee and interest collection:
First, credit cards generally have a grace period of three days after the repayment date, and repayment within the grace period is regarded as timely repayment;
1. If it is paid off in full, no cost will be incurred;
2. The minimum repayment amount shall be calculated at 0.05% of the daily interest;
2. If the repayment exceeds the grace period or the repayment amount is lower than the minimum repayment amount stipulated by the bank, it will be deemed as overdue, and the interest will be calculated at 0.05% per day from the bookkeeping date. In addition, a late fee of 5% of the unpaid minimum repayment amount will be charged on a monthly basis.