What do you mean the bank card is expired?

Bank card expiration means that the bank card is cancelled because the balance in the card is not enough to pay the annual fee of the bank card.

If it is a savings card, that is, you need to save money to use it, there is generally no concept of bank card expiration, unless the banking system of your card has changed greatly, but in this case, you will be informed to replace the new card, and the bank card number may change, but the bank account number is still the same. Therefore, ordinary bank cards will not expire if they have a balance.

If there is no balance beyond the time limit stipulated by the bank, the general bank will cancel the bank card. So the bank card expires because the balance in the card is not enough to pay the annual bank card fee. If there is enough money in the card, the bank card can be used normally after the system deducts the annual fee.

Credit cards and quasi-credit cards in banks are more common. These cards are usually issued every five years. One month before the expiration, the bank will automatically send you an expiration notice, usually by telephone. If you call back, the bank will send you a new card, and the expiration time will be recalculated for five years.

If you don't receive the notice from the bank or forget it, the expired bank card will be frozen by the bank, but the money is still your money. You can apply for renewal at the card bank. There is generally no malicious overdraft, and the bank will give you a new card.

It is suggested that you merge or cancel your long-term unused RMB personal small demand deposit accounts (including savings passbook and debit card) in time, especially those with a daily average deposit balance lower than that of 300 yuan (the daily average deposit balance is the sum of the daily average deposit balance of the account divided by the number of deposit days).

With your passbook (or debit card) and password, you can go to any bank outlet in the city where the account is opened to handle the merger or cancellation procedures of RMB small personal current deposit account.

Extended data:

Measures to deal with expired bank cards:

1. First, check your bank card regularly. If we find that they are about to expire, we should take the time to speed up the card replacement procedure.

2. There are two kinds of bank cards we come into contact with: one is debit card, most of which have no validity period, and a few have validity period; Second, credit cards have a service life, usually 3 or 5 years; The service life of a bank card is marked on the front of the card.

3. Generally, before the bank card expires, the bank staff will inform you in advance, by text message or telephone. If you want to renew your card, the bank will issue you a new one before it expires.

If you don't want to renew your card, just cancel it. The new card will be mailed to you (reserved address), or you can pick it up at the card opening outlet yourself.

4. If you don't receive the notice for some reason (change your contact information without informing the bank), you should take the initiative to contact the bank to handle this matter, otherwise it will affect your life.

In order to change your card, you need to bring your ID card and your old bank card, and the staff of the branch will help you change your card.

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