I have also encountered this situation, so I should be able to help you. Generally, the time limit of the credit cards we use is 3-5 years. We can see the last expiration date on the back of the credit card. If the time limit has passed, you will no longer be able to continue swiping your card for consumption or withdrawing cash.

If your credit card expires and you no longer want to use it, you should inform the card-issuing bank one month in advance. Request card cancellation. And pay off the balance, otherwise, even if the card expires and you no longer use it, the balance will still exist. And if you fail to pay off the debt on the final repayment date, you will also have a bad credit record, which may affect your future loans and other credit-related business. After paying off the balance, take your credit card and ID card to the card-issuing bank to handle card cancellation procedures.

If you still want to continue using it, you also need to apply to the bank for a new card one month in advance. The bank will send you a new credit card. And your credit limit, points, outstanding balance, everything will be transferred to the new card. Credit cards that have been used before do not need to be sent back to the bank, they only need to be destroyed by yourself.

It is less than a month before your card expires, so it is recommended that you consult the bank’s customer service to find the most suitable method.