"Credit card expiration" means that after the expiration date of the credit card, if the cardholder does not renew or automatically renew, the bank will stop using the card in accordance with the agreement, usually after the expiration date. Cardholders will be notified via phone call or text message one month in advance. If the cardholder wishes to continue using the card, they can usually choose to actively contact the bank for renewal procedures after expiration. The new card will be sent out after the renewal or allowed to be collected at designated outlets. If you do not receive notification or forget to renew, the expired credit card will be temporarily frozen by the bank, but the funds in the account will still belong to the cardholder. You only need to apply to the bank to apply for a new card.

For fixed-term credit cards such as credit cards and quasi-credit cards, they are generally renewed every five years. After expiration, as long as you apply for renewal within the specified time, the bank will make a new card for you, and the period of use after renewal will be recalculated. For bank cards that have not been used for a long time or have insufficient balances, it is recommended to actively merge or cancel them, especially those accounts with an average daily deposit balance of less than 300 yuan. You can go to any bank branch to go through the relevant procedures. You only need to provide your passbook or debit card and password. That’s it.

In general, paying attention to the expiration date of the card and communicating with the bank in a timely manner are the keys to avoiding the inconvenience caused by the expiration of the bank card. Banks often offer convenient services, but it's safer to proactively manage your card status. "