There are two ways to change cards: 1. Change the card type of credit card, such as changing Ctrip card to Taobao card, and enjoy the discount of changing credit card subject according to your own needs. 2. When the credit card expires, replacing it with a new credit card is equivalent to delaying the use of the new credit bureau. There is no charge for the above two card changes. If you report the loss, you need to charge a loss reporting fee.