Banks replace cards for free

Card replacement process:

The card-issuing bank will notify the cardholder via text message or phone call before the credit card expires. , of course, the cardholder can also proactively ask the bank to replace the card with a new one before the credit card expires.

Cardholders can go to the bank with their credit card and personal ID card to pick up a new card, or they can have the bank send the new card to a designated address.

After changing to a new card, the credit limit, points, outstanding balance, etc. will be transferred to the new card. Expired cards do not need to be returned to the bank, they just need to be destroyed.