In this case, the validity period of the credit card has expired and the card can no longer be used. When the validity period of the credit card expires, if you still need to use this credit card, the credit card center will automatically send you a new card. Of course, the cardholder must ensure that the information reserved in the bank is complete and correct. If the receiving address changes, the bank will not know and will still mail it to the address reserved by the cardholder. Therefore, you must notify the bank of your change of address before the credit card expires to avoid not receiving the replacement credit card in time. After receiving the card, the card is locked and the cardholder needs to activate the card to use it. This new card can be used normally after activation, and the password is the same as the original card. If it is not activated, the bank will not renew the card.

It should be noted that once a China Construction Bank credit card expires, it can no longer be used, but the unsettled creditor's rights and debts in this credit card are still valid. In other words, even if the card cannot be used, the outstanding balance must be paid back within the specified time. Overdue or non-payment will also affect your personal credit. Remember not to have the mentality that you don’t have to pay back the outstanding balance when the card expires. As long as you deposit the outstanding balance to this card within the specified time, there will be no problem. If you no longer want to use this card, call customer service 1-2 months in advance and cancel it after paying off all the outstanding balance of the card. If there is a deposit in this card, you must go to the bank counter to withdraw it after the corresponding working day and then cancel the account.