The steps to replace the Everbright credit card when it expires are as follows.

1. Open the Everbright Bank mobile client and click the "Settings" icon in the upper right corner of the credit card interface.

2. In the pop-up setting window interface, select the "Basic Settings" function and click to open.

3. Select "Change Card" to apply in the basic settings interface that opens, and click to enter.

4. Enter the credit card password in the pop-up verification window and click "OK" to apply for card replacement when the credit card expires.