How to change a credit card?

How to change the credit card when it expires?

Replace your credit card when it expires.

If you apply for a replacement of a credit card when it expires, you can submit relevant information truthfully. If there is no work unit, you need to provide sufficient economic proof and stable income proof.

1. Generally, the bank will send a short message and a card replacement notice to the cardholder before the credit card expires. Of course, the cardholder can also ask the bank to change the card before the credit card expires.

2. If the cardholder no longer needs this credit card after the credit card expires, the cardholder can propose not to change the card, and sign the receipt of the card change notice sent by the bank and send it back to the bank within the specified time, then the bank will stop changing the card, and the original card will be automatically cancelled after the expiration.

3. After the bank receives the cardholder's application for card replacement, the issuing bank will issue a new card to the cardholder, and the cardholder can use it after activating the new card. The existing card will automatically become invalid, but some banks will ask the cardholder to cancel it.

First of all, all credit cards have an expiration date. After expiration, the card will be invalid and cannot be used normally. Therefore, the issuing bank will issue new cards to cardholders who meet the conditions for card replacement.

Second, if the cardholder does not need to use the card when it expires, he can contact the issuing bank one month before the expiration and ask not to renew the card. Or after receiving a new card, call the customer service phone of the issuing bank to return the card.

How to change a credit card?

Call the credit card customer service. Call the credit card customer service hotline with a registered mobile phone and tell the customer service personal information and the mailing address of the new card. Generally, a new card can be issued from the bank after half a month, and it will be received in about one month. Change your card at the bank counter. You can apply for a new card directly at the counter of the issuing bank, or you can fill in the relevant information at the bank service desk and apply at the counter. Generally, you can receive a new card in about a month. Remember to apply for card replacement at the issuing bank's online banking. Some banks can set up automatic card replacement service online or set up their own automatic card replacement service.

Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.

Two, the form of credit card is a card with the name of the issuer, the validity period, the number, the name of the cardholder and other contents printed on the front. [1] Consumers with credit cards can go to special 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 limit.

Third, the earliest credit card appeared at the end of 19. In the 1980s, the British clothing industry developed the so-called credit card, followed by the tourism and business sectors. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line. In 1950s, McNamara, an American Manhattan credit expert, dined in a restaurant. Because he didn't bring enough money, he had to ask his wife to send money. This made him feel embarrassed, so he organized DinersClub (English: Diners Club). Members can bring their dining charge cards to 27 designated restaurants for consumption without paying cash. This is the earliest credit card. Franklin National Bank was the first bank to issue credit cards, and other American banks followed suit.

It is said that one day, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot to bring his wallet. He was deeply embarrassed and had to ask his wife to bring cash to the restaurant to settle the bill. So McNamara came up with the idea of creating a credit card company. 1 In the spring of 950, McNamara and his friend Schneider jointly invested110,000 US dollars to establish DinersClub in new york, the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can keep accounts and spend money. This kind of credit card that does not need to be handled by a bank is still a commercial credit card.

Fourthly, another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts. 20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

How can I change my credit card when it expires?

Change your credit card when it expires:

1. Under normal circumstances, the bank will automatically issue a new card before the card that meets the conditions for card replacement expires. The new card is unchanged, the validity period is automatically extended, and the security verification code is changed.

2. The bank will not automatically issue a new card after the card that does not meet the conditions for card replacement expires. If you need a useful card, you can call the credit card customer service hotline 4006695566, and our staff will try their best to help you renew a new card manually. However, in addition to the change of the security verification code and the automatic extension of the validity period of the new card, the new card will also change.

Please activate the new card when you receive it. Once the new card is activated, the old card will be invalidated immediately. Because the validity period and security verification code of the new card will change, if you have handled online banking or other withholding business (such as WeChat/Alipay, etc.). In the early stage, you need to re-associate according to the new card information before you can use it.

Reminder: Bank of China has stopped issuing personal cards, and it is unable to handle business such as card replacement, card replacement at maturity, and card replacement after loss reporting. In view of the card suspension, it is recommended that you cancel the account after paying off the arrears. If you need a useful card, you can apply for another card of BOC. Thank you for your understanding and support of Bank of China. Wish you a happy greeting card!

The above contents are for your reference. Please refer to the actual business regulations.

The credit card will expire soon. How to change it?

First, call the credit card customer service number. Call the credit card customer service hotline with a registered mobile phone and tell the customer service personal information and the mailing address of the new card. Generally, a new card can be issued from the bank after half a month, and it will be received in about one month. The customer service telephone number of the bank is as follows: Industrial and Commercial Bank of China: 95588.

Second, change your card at the bank counter. You can apply for a new card directly at the counter of the issuing bank, or you can fill in the relevant information at the bank service desk and apply at the counter. Generally, you can receive a new card in about a month. Remember to go to the issuing bank.

3. Online banking application for card replacement. Some banks can set up automatic card replacement service online or set up their own automatic card replacement service.

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 our country (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, etc. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, which stipulated that the English name of CreditCard was Credit Card.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

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).

On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

How can I renew my credit card when it expires?

There are three ways to renew a credit card when it expires:

1: Call credit card customer service. Call the credit card customer service hotline with a registered mobile phone and tell the customer service personal information and the mailing address of the new card. Generally, a new card can be issued from the bank after half a month, and it will be received in about one month. Generally, one month before the card expires, the bank customer service will take the initiative to contact you and pay attention to keeping the registered mobile phone unblocked.

2. Change your card at the bank counter. You can apply for a new card directly at the counter of the issuing bank, or you can fill in the relevant information at the bank service desk and apply at the counter. Generally, you can receive a new card in about a month. Remember to go to the issuing bank.

3. Online banking application for card replacement. Some banks can set up automatic card replacement service online or set up their own automatic card replacement service.

After the credit card expires, the cardholder needs to activate the new card by himself, otherwise it will affect the use of the new card. Credit cards can be activated in the following ways

1. Credit card customer service phone activation. The cardholder can call the customer service hotline of the bank credit card and activate the credit card according to the voice prompt.

2. Bank official website is activated. Generally, banks in official website have credit card activation channels, and cardholders can log in to the issuing bank in official website to activate their credit cards.

3. Bank Online Banking has been activated. If online banking is enabled, you can log in to online banking to activate your credit card.

In addition to the above methods, cardholders can also try to activate credit cards through SMS, WeChat, mobile APP and other channels.

Remember, after the credit card expires, the old card should not be discarded at will, otherwise the credit card, expiration date, verification code and other information will be exposed, and there is still the risk of being stolen.

Extended data:

Credit card use skills and precautions

1, the credit card withdrawal rate is high. Because the credit card itself has no money, if you withdraw cash by credit card, it is equivalent to borrowing money from the bank, and the interest is very high, and it is calculated on a daily basis (the specific interest calculation method can be understood from the issuing bank). Don't withdraw cash unless you have to.

2. The credit card has no password. If the credit card has a password, you need to enter the password when swiping the card. If there is no password, just sign to confirm the consumption. Maybe you think it's not safe to set the password, but it's not right, because the merchant has the obligation to check your signature. If someone else spends money with your signature, the responsibility is not yours, and the bank needs to compensate you for the loss. If you use a password to spend money, the merchant is not responsible for the theft of the credit card.

There is a charge for installment payment. Many banks advertise under the banner of interest-free installment. The bank doesn't charge you interest, but it will charge you a handling fee. Generally, the handling fee for each period is about six thousandths, which varies from bank to bank.

4. Overdue repayment affects personal credit. If the credit card fails to repay according to the minimum repayment amount, it will not only deduct high interest, but also affect the personal credit record. If you want to borrow money from the bank or do something related to personal credit in the future, it will be more troublesome.

5. The annual credit card fee can be deducted. Generally, credit cards charge an annual fee, and banks also charge a certain service fee every year. However, due to the fierce competition among major banks, many banks have measures to offset the annual fee, such as saving the annual fee for the current year by spending 10, and exchanging 1000 points for the annual fee. You need to know clearly how the annual fee of the credit card you use is calculated and charged, and whether there is any way to offset the annual fee.

How do I change my credit card?

There are three ways to renew a credit card when it expires:

Method 1: Call the credit card customer service. Call the credit card customer service hotline with a registered mobile phone and tell the customer service personal information and the mailing address of the new card. Generally, a new card can be issued from the bank after half a month, and it will be received in about one month.

The customer service telephone number of the bank is as follows:

China Industrial and Commercial Bank: 95588;

China Construction Bank: 95533;

China Merchants Bank: 95555;

Agricultural Bank of China: 95599;

China Minsheng Bank: 95568;

Shenzhen Development Bank: 95501;

China Guangfa Bank: 800-830-8003;

Industrial Bank: 95561;

China Postal Savings Bank: 95580;

Bank of Beijing: 95526;

Shanghai Pudong Development Bank: 95528;

Bank of Communications: 95559;

China Everbright Bank: 95595;

Ping An Bank: 95511;

Bank of China: 95566.

Generally, one month before the card expires, the bank customer service will take the initiative to contact you and pay attention to keeping the registered mobile phone unblocked.

Method 2: Change the card at the bank counter. You can apply for a new card directly at the counter of the issuing bank, or you can fill in the relevant information at the bank service desk and apply at the counter. Generally, you can receive a new card in about a month. Remember to go to the issuing bank.

Method 3: Apply for card replacement through online banking. Some banks can set up automatic card replacement service online or set up their own automatic card replacement service.

Operating environment: China Industrial and Commercial Bank (version 6. 1.0.9.0).

Bank of China (version 7. 1.0)

China Construction Bank (version 5.5.7.00 1)

What should I do after the credit card expires?

1. For students who don't want to continue using credit cards, please see here (you can skip if you want to continue using them):

If your credit card is about to expire and you decide not to use it any more, you can explain it to the issuing bank one month in advance, apply for canceling the card and pay off the overdraft money, because even if the card expires, if you don't continue to use it, the debt in the card still exists.

And if the money is not paid by the final repayment date, there will also be bad credit records, which may have an impact on future loan applications.

After paying off the debt, you only need to bring your credit card and personal ID card to the issuing marketing card.

2. For students who want to continue to use credit cards, please see here:

Generally, the issuing bank will notify the cardholder by SMS or telephone before the credit card expires. Of course, cardholders can also take the initiative to ask the bank for a new card before the credit card expires.

Cardholders can apply for a new card at the bank with their credit card and personal ID card, or they can ask the bank to send the new card to the designated address.

After the new card is replaced, the credit limit, points and arrears will be transferred to the new card. You don't have to return the expired card to the bank, just destroy it yourself.

This is the end of the introduction on how to exchange credit cards and how to repay them. I wonder if you have found the information you need?