Credit cards have an expiration date. Don't lose them or ignore them when they expire. Because you can still use the account without canceling it, be careful that it will be stolen by you, causing unnecessary risks.

at present, credit cards are very popular. Basically, every young person can get a card, and some even have many credit cards. It solves the problem that young people have no money to spend, so that people can spend money tomorrow today. The existence of early consumption activates the consumption of the whole market and also drives the economic development. At the end of 219, the total amount of credit card transactions was 4 trillion yuan, while the GDP in 219 was 99.865 trillion yuan. It's scary to look at this picture carefully. The total amount of credit card transactions can account for 4% of domestic GDP. There are 5.31 bank cards per capita in China, of which .47 are per capita. In fact, excluding the elderly and children, basically everyone has a credit card, especially young people, and even everyone has several. Reasonable use of credit cards is still very beneficial.

with a credit card, you don't have to bring money when you go out. It is very simple and convenient to spend by credit card, but I believe many credit card users have noticed that the credit cards of major banks are actually effective. At present, most banks' credit cards have a term of five years. Of course, the credit period of individual banks will be adjusted according to the specific situation of customers, and there are also three or six years.

if the credit card has expired, it can't be used. What should I do? Automatic logout? Or renew the contract? Or just throw it away? Let me introduce you!

actually, you don't have to worry. Generally, the credit card will expire soon, and the bank will contact you on its own initiative. He will remind you, ask if you want to get a new card, and tell you what to do with the old one. Do as your bank account manager tells you.

1. destroy the old card in time, and never throw it about. Old cards may be stolen when they expire. To be safe, cut them off in time. When cutting, not only the magnetic stripe, but also the chip if there is a chip card, and then throw it away separately.

2. upon receipt of the new card, it will be activated in time. If some banks are not activated in time, they need to call the bank to activate. For example, if CITIC Bank Card is not activated in time, it will be frozen automatically, and you need to call the bank customer service to reactivate it. At the same time, the new card is not activated and the old card can still be used.

3. Cancel the old card in time. After some bank cards expire, they will not be automatically cancelled. You must cancel them yourself. Otherwise, costs will also be incurred. It is suggested to pay off all the arrears and then cancel the telephone customer service. Of course, at present, most banks will automatically cancel the old card when the new card arrives, just remember to pay off the debt.

4. At present, everyone will bind WeChat payment and Alipay payment when using credit cards. Remember to untie it. Last time I cancelled Everbright Credit Card, I cancelled it several times. This is because I have to pay automatically in the subway. As a result, the phone was cancelled in the past, but when I came here by subway, I had new debts. He canceled automatically. Cancel.

5. If the bank doesn't contact you after the credit card expires, you can also contact the bank actively and ask for a new card. Because some people often change their contact information, the bank may not be able to contact them. It is suggested to update the reservation information of the bank in time.

if you don't want to use it after it expires, it is recommended to settle all the arrears and apply for cancellation of the credit card in time.

I am a financier specializing in financing business, and I am a financing expert around you. Welcome to comment and exchange! Related questions and answers: