At present, the validity period of credit cards from general banks is generally 3 to 5 years. The validity period of some banks or special card types will be extended to 8 years. After the validity period, the credit card will become invalid. In order to ensure that cardholders continue to use their cards, card renewal is something that cardholders must do. So, what are the reasons why the credit card cannot be renewed?

What are the reasons why the credit card cannot be renewed?

1 Forgot to activate the credit card

Not within the validity period of the credit card If the credit card you want to renew is activated within the card, the credit card cannot be renewed. If it is not activated, it does not meet one of the conditions for renewing the new card. The bank will not take the initiative to renew the card.

2 Credit cards that are seriously overdue

Credit cards that need to be renewed are seriously overdue, resulting in the card being frozen or blocked. Credit cards with this abnormal status do not meet the new requirements. Card renewal conditions. Generally, credit cards that are overdue for more than 3 months are more likely to be blocked.

3 The cardholder does not meet the card renewal conditions stipulated by the bank

The cardholder is a person subject to enforcement for breach of trust and can no longer apply for a credit card. Naturally, banks will not renew or issue new cards to such people. You can only continue to use the card after you have removed your default status and applied for a new credit card.

In general, the above situations are the reasons why credit cards cannot be renewed. If you are worried that the bank will not renew your card, you can apply for another card type in advance. Credit cards are essentially credit. As long as it is not overdue, the card will usually be renewed.