The credit card of China Merchants Bank is valid for 3 years, and a new card will be issued every 3 years without cancellation. The expiration date is indicated on the front of the card. The credit card center will send the registered letter of the new card before the card expires, without any formalities. When you receive a new card, sign your name in the signature column on the back of the new card, then complete the card opening procedures, cut out the old card and discard it without sending it back to the credit card center. No longer used after expiration. For credit cards that are no longer used after expiration, the cardholder can sign the receipt of the non-replacement card and send it back to the bank within the specified time, and the bank will stop issuing new cards. In addition, for cardholders who are ready to send a receipt without changing their cards, don't send the credit card in the receipt. In the future, they must show their credit cards when they cancel their cards.

So after the expiration, the bank will inform you in advance whether to use the credit card. If you use it, the bank will send you a credit card. If not, just cancel it.