Chinese Merchants Bank credit cards generally will not be automatically canceled when they expire, because China Merchants Bank usually renews the card for free for customers. As long as the customer's card usage behavior is good, China Merchants Bank will generally send a card replacement notification text message to the cardholder. Proactively send new cards to cardholders without any formalities. After the customer receives the notice, agrees to change the card and confirms the delivery address, China Merchants Bank will send the new card to the customer one month before the card expires. At that time, the customer can continue to use the new card as long as it is activated. Of course, the old card will become invalid immediately after the new card is activated. Customers can just cut off the magnetic strip/chip of the old card and destroy it (be careful not to throw it away casually to avoid leaking personal information and causing security risks).

Of course, if the customer’s card has never been activated or used, or the account is overdue for a long time, or the customer already holds a card of the same type as the card to be forwarded, or the customer takes the initiative If you do not renew the card after the application registration expires, the credit card will automatically be invalidated when it expires, and China Merchants Bank will not renew the card.

If the old card type has stopped being issued, other card types will be issued after expiration. The main cardholder should follow the instructions of China Merchants Bank’s text message or email, log in to online banking to select an alternative card type or cancel the new card type. Sending of card. To change your student card when it expires or transfer after graduation, please follow the CMB text message or email instructions to log in to online banking immediately. The online banking operation is in Card Management-YOUNG Card Management. Usually, a new card will be sent to you at the end of one month before the credit card expires. It will be sent by registered mail. Generally, the registered mail will be sent within 15 days. If you no longer need to use it, please call the credit card customer service hotline after paying off the balance and transfer the card to manual service to cancel the card (if you need to cancel the credit card that has not been opened, please call and select the "Report Loss" button to apply for cancellation). To cancel a business credit card, you need to contact the company to apply for a special business processing form.

Extended reading

Notes on canceling China Merchants Bank credit cards:

1. After canceling the credit card, please cut the magnetic stripe of the card. The complete card cannot fall into the in the hands of others.

2. After canceling the credit card, you can still log in to online banking to view your account information, and the original card can still receive repayments or refunds. Please pay attention to whether the credit card debt has been paid off.

3. If you want to restore your canceled credit card later, you can contact the customer service hotline 4008205555 to apply at any time.

4. No handling fee will be charged for credit card cancellation, and it will not affect the use of other credit cards that have not been cancelled.