If the credit card has been soaked in hot water, you can go to the ATM to try whether the magnetic stripe or chip has been degaussed and can still be used.

Don't worry if you can continue to use it. Generally, just dip the card in some water. If it has been degaussed, you can show your ID card and degaussing card at the bank counter and ask for a replacement card. According to different banks, the card replacement fee may be different, and some are 0 yuan-10 yuan. Card, account number and password remain unchanged, or the original card number and password.