When your credit card is about to expire, you can go to the bank's credit card center one month in advance to apply for a new credit card. When a user applies to the credit card center, the credit card center will issue a new credit card to the user, and the user can use it normally as long as he activates the new card.

Will the bank remind you if your credit card is overdue?

Generally, banks will send text messages a few days before the final repayment date to remind cardholders to repay on time. Cardholders will not be reminded if they make a late payment. However, if the cardholder pays the credit card overdue, the bank will collect the payment through phone calls or text messages. If the cardholder is overdue for more than 3 months, the bank will sue the court.