Credit card renewal refers to the cardholder’s credit card. After the expiration date, the card holder needs to go to the bank to renew the card. Normally, the validity period of a credit card is 3 to 5 years. However, on special cards My credit card has an 8-year validity period. Once the validity period of the credit card expires, the card can no longer be used, so it needs to be renewed. A successful renewal of the credit card means that the renewal business handled by the bank has been completed and the renewal period has been completed. Added in.

1. Introduction to credit cards

A credit card is also called a credit card. It is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It is in the form of a positive There should be the card issuing bank name, expiration date number, cardholder name, etc., and a card with a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed business service departments, and then the bank will settle the bill with the merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. How to use credit cards correctly

After getting a credit card, many people tend not to pay attention to the repayment period when swiping the card, which often leads to overdue credit cards and a decrease in credit. This is very detrimental to cardholders. After we get a credit card, we must cherish our credit limit and never default on the money owed to the bank, because it is not allowed to default on the bank's money for even one minute. It is better to repay earlier and more than to default on the bank's payment for one minute. Otherwise, credit will decline due to default, which will cause a lot of unnecessary trouble to cardholders. When applying for a card, cardholders should not think that they want to apply for a high-limit credit card just because they have a house and a car. If they have no contribution to the bank, no matter how good the conditions are, the bank card will not give you a high-limit credit card for the first time. The limit needs to be gradually increased based on your own credit and card usage status. After getting a credit card, you should also try to control your consumption. Do not use the credit card to withdraw cash or use the credit card money to invest, because the interest and handling fees for credit card cash withdrawals are very high. If it is used for investment, if something goes wrong, the money in the credit card cannot be repaid in time, which will have a great impact on one's credit. Therefore, you must use your credit card rationally, and you can choose not to use it unless necessary.