Apply to the bank for card replacement or cancellation.

1. Cardholders can apply for a new card from the bank if they want to continue using it. If the card type used by the cardholder is still issued in the bank, mail a card of the same type as the old card; If the card bank stops issuing cards, it will negotiate with the cardholder and mail a similar card.

After the cardholder gets the card, it is reactivated, and the original rights and quota of the card remain unchanged.

If the cardholder needs a higher limit, he can apply to the issuing bank when changing the card, and the issuing bank will decide whether to increase the limit according to the previous records and credit information.

2. If the cardholder doesn't want to continue to use it, please be sure to apply for cancellation. Although the card has expired, the cardholder's credit account is still there, and the contract between the cardholder and the bank is still there, so the annual fee due for the credit card will still be generated as usual;

If not used or cancelled, the credit card may be overdrawn quietly, resulting in the bad record of the cardholder.

3. If the cardholder has not decided whether to continue using it, he can call the customer service hotline to inform the issuing bank. The issuing bank will keep the++and card rights for a certain period of time, and then apply to the issuing bank for card replacement when the cardholder needs to continue to use them in the future.

Extended information:

1. Credit card consumption is a non-cash transaction payment method. You don't need to pay cash when you consume, and you can repay it on the account date.

2. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of petty cash according to the regulations, and when the balance of the petty cash account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

3.202 1 year 1 month 1 day, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 5‰ of the daily interest rate and the lower limit is 0.7 times of the daily interest rate of 5‰).

On May 25th, 20021year, the Supreme People++promulgated and implemented the Provisions of the Supreme People++on Several Issues Concerning the Trial of Civil++Cases of Bank Cards.

What about the old credit card?

After the credit card is changed, when the customer activates the new card, the old card will be destroyed as long as the magnetic stripe/chip of the old card is cut with scissors and other tools.

Of course, if you have the idea of collecting, you can just keep the old cards and take good care of them. Everyone needs to be careful not to throw away the old card as soon as they get a new one. Because the magnetic stripe/chip of credit card contains data, if it is not cut and destroyed, it is likely to lead to the disclosure of personal information, thus causing security risks.

Related knowledge supplement:

1. To cancel the expired credit card, just call the credit card customer service center to apply for cancellation.

After the bank accepts the application for cancellation of expired credit cards, a special staff member will contact you, and there can be no credit and arrears during the period, so that the cancellation can be successful. After cancellation, call to check the cancellation of expired credit cards and confirm whether the cancellation is successful.

2. After the credit card is cancelled, cut off the magnetic stripe of the card with scissors, so that the information is not easy to leak.

If you find that your credit card has expired, you must send it back to the bank in time, otherwise you will have to pay an annual fee every year, which is very uneconomical. However, many people don't know how to check the credit card usage period. One way is to look at the paper in the credit card issued by the bank, which will indicate the use period and repayment date of the credit card.

If you can't find your paper, find the numbers with diagonal symbols on the number side of the credit card. For example, 06/24 means that your credit card will be used in June 2024. In general, many bank credit cards have a service life of three to five years. If you are really unclear, you can call the bank staff.

3. Activate a new credit card.

After the credit card expires, the old card can still be used. After activating the new card, the original credit card is useless. Some people may forget to activate, and if the old card happens to be lost again, it will cause their own economic losses. So if you want to continue to use your credit card, you must remember to activate the new card in time.

Because the old card can't be used after activation, it's best to cut the magnetic stripe of the old card just in case to avoid stealing the brush. Because the credit card will be automatically cancelled after it expires, but at this time it is only automatically cancelled, not automatically cancelled. In other words, your account still exists. If you don't want to use it, you need to go to the bank to apply for account cancellation.

In fact, if we use credit cards reasonably, it will be very beneficial to our capital circulation. But if consumption is not controlled, it will cause a lot of "risks". Moreover, credit cards are easy to be stolen, so you still need to pay attention to them in the usual use process.

When you use a credit card, you should pay attention to protecting your card information. Don't disclose your++to strangers at will to ensure the safety of your property. Although spending in advance has become one of the acceptable ways for most people, we should still exercise restraint on our own spending. Rational consumption, rational planning of their own funds, so that there will be no overdue situation.

How to destroy expired credit cards? It only takes two steps to get it easily!

Many people know that credit cards have an expiration date, and they can't be used after the expiration date, but in this case, they just can't use cards, and credit card accounts still exist. To this end, if you don't continue to use the card, it is best to destroy the expired credit card. So, how to destroy expired credit cards? Let's have a look.

The destruction of expired credit cards is divided into two steps: first, cancel the credit card account, and then deal with the invalid credit card.

Let's take a look at how to cancel expired credit cards.

The cancellation process of expired credit cards is the same as that of ordinary credit cards. You can take your credit card and ID card to the counter outlets for cancellation, or you can call for cancellation. It should be noted that credit card cancellation accounts are divided into card cancellation accounts and account cancellation accounts. If there is no other peer credit card in the name, then it is ok to close the account. If you just want to simply cancel your credit card, you can choose to cancel it.

The bank will keep you waiting for 45 days after accepting your application for account cancellation. If there is no credit or debt during the period, the cancellation can be successful. It is suggested that you can call the issuing bank on the 46th day to check the cancellation of the credit card to see if it has been successfully cancelled.

After the cancellation is successful, the invalid card will be processed.

Although the credit card has been cancelled, the relevant information of the credit card still remains on the magnetic stripe of the card, so the last step must be to dispose of the invalid credit card.

The treatment method is simple. Just cut the card with scissors. The more broken the better, so that the cards can't be put together again. Then the information is less likely to be leaked and relatively safer.

The above is an introduction to how to destroy expired credit cards. The above-mentioned expired credit card destruction is only aimed at the situation that the card is no longer used. If the card is used continuously, the bank will issue a new card after the credit card expires, and there is no need to cancel it, but the old card can be cut and disposed of.

What should I do if my credit card expires after it expires? Need to pay attention to these matters

Everyone knows that overdue credit cards will produce bad records and interest will increase. If you don't get rid of them in time, you will be rejected. And some people's credit cards are overdue for too long, and they become invalid cards, so they can't transfer money for repayment. I don't know what to do. So, what if the credit card expires after it expires? Let's have a look.

What should I do if my credit card expires after it expires?

There are many reasons for the invalidation of credit cards, such as the degaussing card being damaged and unable to be cancelled, the overdue card not being reissued, the credit card being written off by the bank for a long time, etc., and the handling methods are different.

For the first two reasons, the cancellation of the card does not affect the repayment. Although you can't use a card, remember that credit card++can be transferred and repaid through channels such as mobile banking. But because it has been cancelled by the bank, if you want to transfer money for repayment, you will be prompted that it is a cancellation card, and there is no input at all. You can only go to the bank outlets.

Moreover, to go to the local bank outlets that issue cards, there are geographical restrictions on credit cards, and each branch will only be responsible for the business within its jurisdiction. You need to bring a valid ID card (temporary id card or expired ones are not accepted), as well as the mobile phone number and credit card reserved when issuing the card. Go to the outlet to get the number, and ask the counter staff to repay it manually. The ATM machine cannot be operated.

Although the cardholder can't find the credit card information in the mobile banking or APP, it will still be archived in the internal system of the bank. Just give the cash to the teller for repayment, and then settle the arrears, but the card will not be restored. When the credit information is updated, the balance of arrears becomes 0, the status is overdue, and it will be eliminated after 5 years.

The above is the introduction of "How to deal with expired credit cards", and I hope it will help everyone.

That's all for the introduction of the disposal of waste credit cards.