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What should I do if my credit card is about to expire? How do I change my credit card?

We all know that credit cards have different expiry dates, but they all have different expiry dates. What should we do when the expiry date of credit cards approaches? What should we do when we want to continue to use credit cards after they expire?

What is the expiry date of a credit card?

The term of validity of a credit card refers to the period from the issuance of the credit card to the expiration of the credit card. Similar to the validity period of ID card. Generally, the expiration date information of credit card is printed on the corresponding position below the card number on the front of the credit card. Some of them only mark the expiration date, while others mark the start and end dates completely. In short, you can know it at a glance.

Before the expiry of the credit card, in order to use the card normally, the cardholder shall replace the new credit card in time. After receiving the credit card holder's request for credit card replacement from the bank, the new card from the bank can usually be received about two weeks, and the card holder can continue to use it after opening the card. When the expiry date of the credit card expires and the credit card is replaced, the general card number remains the same.

If the credit card expires, we have two options. If we don't want to continue to use it, we should explain to the issuing bank one month in advance, request to cancel the card and pay off the debt. Otherwise, even if the card expires, you will not continue to use it, but the arrears will still exist. In addition, if you fail to pay off your debts on the last repayment date, you will also have a bad credit record, which may affect your future loans and other credit related businesses. After paying off the debt, take your credit card and ID card to the issuing bank for cancellation.

If you want to continue to use it, you also need to ask the bank for a new card one month in advance. The bank will send you a new credit card. And your credit line, points, arrears and so on will be transferred to the new card. The old credit card doesn't need to be sent back to the bank. It just needs to be destroyed by itself. But now there are various kinds of credit, collection is also a good choice, some people have the habit of collecting credit cards.

In addition, if your mailing address changes, you need to inform the issuing bank in time. When receiving the call for card replacement when the card is due, if the permanent address has changed compared with that when applying for the card, the receiving address must be updated in time to avoid the 'lost' situation of the new card.