First of all, contact the credit card customer service by phone to see if it can be returned to any card. If it succeeds, don't worry. If you need to repay separately, you can ask customer service to help you transfer the money returned to the old card to the new card. This transfer is free of charge.

Credit card expiration method: 1. Users can apply for a new credit card from the bank; 2. Card return: The credit card is about to expire, and the issuing bank will send a short message to remind you whether it is necessary to renew the card. Most banks renew their cards by default and mail them to users one month before their credit cards expire. The credit limit will not change, nor will the bill. It can be activated immediately, and the points in the previous card will be transferred to the new card.

China Everbright Bank Credit Card Center was founded in July 2003 and formally established at the end of 2003. Directly under the head office of China Everbright Bank, it is a credit card center serving consumers within the framework of state-owned holding and international financial organizations participating in national joint-stock commercial banks.