Postal savings credit cards cannot be used after they expire. Credit cards and quasi-credit cards usually have a validity period of three or five years. The validity period of the credit card is marked on the front. Once it expires, the credit card cannot be used. Withdraw money or spend freely. Cardholders are advised to promptly replace their credit card after it expires.

Reminder:

First, there is no annual fee if the credit card is not activated. After activation, the annual fee can be offset by swiping the card a specified number of times each year, otherwise the fee will be deducted.

Second, the credit card may still charge annual fees after its expiration date. The credit card cannot be used normally, but the balance owed is still valid. Moreover, expiration of a credit card does not mean automatic cancellation, and annual fees may still be charged.

Third, you can cancel your credit card with just a phone call. If you have an expired or dormant card, you can call the bank's customer service number or bring the corresponding documents to the bank to cancel it.