Generally, the validity period of a credit card is below the card number, usually in the form of month/year. For example, if the card says: 10/18, then the validity period of this card is October 2018. After October, the card will become invalid.

1) Contact the bank proactively and in advance to apply for renewal. Because it takes time for the bank to make and send a new card, it is best to apply in advance.

2) Be sure to activate the new card in time, otherwise the activation after the old card expires will fail. The activation method can be activated through the official website, phone, online banking, etc.

3) Old cards must be destroyed. Old cards may still be at risk of being stolen. For safety, old cards must be cut off in time.

4) Risk: In addition to the card aspect, banks also need to re-assess the risk of cardholders, because the personal information of cardholders is also changing, so banks also want to reduce their risk risk.

5) Reduce personal risks: The longer the validity period of idle or lost cards, the greater the possibility of fraud, and the risk will be greatly increased.

6) More protection. Generally, when paying online, you will be asked to enter the validity period and the last three digits, etc., all to improve the security of your credit card. Extended information

If you no longer want to use this credit card, you need to call the credit card center at least 3 months in advance to explain that the credit card will not be renewed after it expires. Of course, you can also call the credit card center directly after getting the card and say that you don't want to renew the card after 5 years. The customer service will register it and no new card will be sent when it expires.

Special attention should be paid to the fact that if you do not renew the card, you must repay the latest bill on time when the credit card is due, and think about the capital circulation channels, because once the money goes in, it cannot come out. Don't make it overdue.

If you have applied for many credit cards from the same bank in the past because of the curve increase, and do not want to cancel them, you can just wait until the card expires without renewing. During this period, pay attention to swiping enough times to avoid annual fees. In order to increase my star rating, I applied for more than a dozen Minsheng credit cards, and 10 of them have expired without renewal.

Ifeng.com - When your credit card expires, what should you pay attention to when replacing it with a new one?