The validity period of ICBC Peony Credit Card usually does not exceed 5 years. Expired cards can no longer be used, but the use contract is still valid. If you need to continue using your credit card, you can change the card through ICBC online banking, ICBC business outlets, ICBC customer service hotline, and ICBC customer service hotline. If you do not want to change the card for the time being, you only need to notify ICBC one month in advance, and ICBC will retain the card number for the cardholder for a certain period of time; if you need to continue to use the credit card in the future, you can apply to ICBC to change the card.

For ICBC credit cards that have not been activated within the validity period, ICBC may not provide expired card replacement services after the card expires.

For expired ICBC credit cards, the cardholder cannot continue to use them (except for the amount of income) before completing relevant procedures in accordance with ICBC regulations. If the cardholder fails to complete the procedures for replacing a new card in time, the ICBC If the bank credit card cannot be used normally, the cardholder shall bear the resulting losses.

If the card cannot be replaced due to termination of cooperation with the cooperative unit, credit card institution or company, ICBC can issue other cards with the same credit rating. If the cardholder does not replace the card with a new one or stops using the Peony Credit Card midway, he still needs to pay off the debt owed on the card.