If the credit card expires and is not replaced, it will be cancelled.

Credit cards have a validity period of 5 years. After expiration, the card will no longer be usable. However, banks will often contact the cardholder to help them change the card, but the cardholder can also choose not to change it. New card. If you do not change the card after it expires, it will be automatically canceled. However, the card will only be automatically canceled at this time, and the account will not be automatically closed. If there is an unpaid debt in the card, it must be paid off on time, otherwise it will become overdue. . If you do not want to renew your credit card after it expires, you need to explain it to the bank. Otherwise, most banks will replace the card with a new one by default, and then send the new card to the address reserved by the cardholder in the bank. There is usually no handling fee for replacing a new card after a credit card expires. High-end cards may require handling fees. Send a new card to the billing address before the card expires. After receiving the new card, activate it and you can use it. At the same time, the old card will become invalid. (If the new card has not yet been activated, the old card can be used until the end of the validity period). The validity period of a credit card is calculated from the day the credit card is approved. After the expiration, regardless of whether you change a new card or not, the expired card cannot be used anymore. It is best to cut off the magnetic stripe of the old card to avoid theft. etc.

Legal basis: Article 13 of the "China Bank Card Industry Self-Discipline Convention"

Member units should strengthen publicity work on bank card use and risk prevention to ensure that customers are familiar with bank card usage. Have full rights to know and choose regarding business interest accrual, charging standards and related risks.

(1) Member units should strengthen the disclosure of credit card business information and fully reveal the meaning of credit card interest calculation rules. They should clearly state the interest calculation rules in prominent fonts in the credit card application form and publicize them through websites and other channels. Provide calculation rules and simulation cases;

(2) Member units should implement regulatory requirements and choose credit card interest calculation methods and corresponding preferential measures suitable for their own development based on actual conditions, but relevant information should be Clearly inform the credit card applicant (or cardholder) to ensure that the applicant (or cardholder) can decide whether to accept it according to his or her own wishes.

(3) Member units should provide repayment reminders to cardholders at least 3 days before the due date of the credit card through bills, text messages, emails, phone calls or letters.

(4) Member units can provide multiple billing dates for cardholders to choose and change, and the number of changes can be limited.