If it is a CMB credit card, it will automatically expire when it expires. We will provide card replacement service after expiration, and the new card will be valid for five years. Two months before the credit card expires, our bank will send a text message to remind the cardholder to change the card, and the new card will be sent to the billing address. Tips: 1. Replace the card and issue a new card of the same kind as the original card. 2. If the old card type has been deactivated (SMS will remind you to change the card), other card types will be replaced after the expiration. When the cardholder logs into the mobile banking within the validity period of the card replacement registration, he can select "Expired Card Replacement Registration" under the "Card Management" menu, and perform the card replacement related operations according to the prompts. You can't change your card directly at the branch. 3. Due repayment does not affect repayment.