unlike a savings card, a credit card has an expiration date. If you don't renew it after the expiration date, it will be invalid and you can't continue to use it. Moreover, the credit card account still exists after the credit card expires. In order to avoid unnecessary trouble, it is better to properly handle the destruction. Then, if the credit card does not renew when it expires, how to destroy it? Let's introduce it to you.

How to deal with expired credit cards

There are two steps: destroying expired credit cards is divided into two steps, one is to cancel the credit card account, and the other is to deal with invalid credit cards.

1. Cancel the credit card account

The detailed cancellation process is no different from the ordinary credit card cancellation. Customers can choose to call the bank customer service directly to ask the customer service to assist in cancellation, or they can choose to bring relevant information (credit card, ID card and reserved mobile phone number, etc.) to the offline counter of the bank for cancellation.

specifically, when canceling a credit card, you should pay attention to the district distribution card and the cancellation account, and you should choose according to your own needs and not confuse them.

after submitting a credit card cancellation application, the card cannot be cancelled immediately. You must wait for a pre-cancellation period of 45 days, during which the card has no arrears and balance before it can be successfully cancelled. In view of this, you'd better call the bank customer service on the 46th day of card cancellation, and ask the customer service to help confirm that the credit card has been successfully cancelled.

2. Destroy the invalid credit card

After the cancellation is successful, the disposal of the invalid card must be started. In short, the credit card magnetic stripe still retains the relevant information of the credit card, and there is still a certain risk of being used by criminals. Especially when destroying credit cards, everyone takes the simplest and rudest method, and cuts the cards as thin as possible with scissors, so that the cards can't be spelled again.