After the credit card expires, it cannot be used. If you use it, you will be prompted for an invalid card or a non-current card. Banks will usually automatically reissue a credit card of the same card type, same card number, and extended validity period for three years about 30 days before expiration, and then mail it to the cardholder's billing address. As long as there are no overdue payments on the current card, it will be automatically renewed.

Credit cards cannot be automatically canceled. Once the credit card expires and the cardholder does not want to continue using it, he or she needs to bring his or her ID and card to the credit card center of the bank where the account is opened to handle cancellation.

After replacing a credit card, the old card must be disposed of. It is best to cut or destroy it and do not throw it around. Because the replaced old card number remains unchanged and is picked up by criminals, there is still a risk of fraud.

Extended information:

If you do not want to continue using your credit card after it expires, you still need to actively cancel it.

Cancellation is divided into two types: card cancellation and account cancellation. If the card is canceled, if you still want to use it again, it is allowed as long as it is within the specified time. If the account is canceled, it cannot be used again and you must apply again.

Baidu Encyclopedia - Credit Card

Baidu Encyclopedia - Notice on the Issuance of the "Credit Card Business Management Measures"