How to change the bank of communications credit card when it expires?

Bank of Communications has an automatic card replacement service. The staff of the credit card center will review and evaluate the cardholder's card usage records before the card expires. If the cardholder is in good condition, Bank of Communications will inform the cardholder about one month before the expiration and ask whether to issue a new card.

Some banks will give cardholders a replacement notice before the credit card expires. For credit cards that are no longer used after expiration, the cardholder can sign the receipt and send it back to the bank within the specified time, and the bank will stop issuing new cards. In addition, for cardholders who are ready to send a receipt without changing their cards, don't send the credit card in the receipt. In the future, they must show their credit cards when they cancel their cards.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal [1-2]. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, and the English name of Credit Card was stipulated.

Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.

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 reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, 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 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).