Why do credit cards have to be valid for two reasons: 1. Update the latest version of the card: The security and functionality of the new card is definitely better than the old card, such as magnetic stripe card replacement chip card. 2. Prevention of credit card fraud: When the cardholder swipes the card, the merchant and the issuing bank can verify whether the credit card is valid through the POS machine. If the fake card pirate is used, the expired card will be rejected and the funds will be secured. What are the precautions for changing cards? Before the expiration date, the cardholder should apply to the card-issuing bank to change the credit card in time. Generally, the card-issuing bank will contact the cardholder one month before the expiration of the credit card and issue a new card to the cardholder. If the credit card is not valid in time, it may result in the credit card not working properly. 1. Activate new cards in time The old card will still be available after the credit card has been successfully renewed. The old card will expire after the credit card expires or the new card is activated. Therefore, be sure to activate the new card in time. Cardholders can choose to activate credit cards in a variety of ways, including phone activation, official website activation, and online banking activation. 2. Old cards should be cut in time The old card is still stolen. For the sake of insurance, please cut the old card in time after the new card is activated. Bank credit card validity:
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Everyone looks at the credit card on hand, and there is a valid date on the card surface. Once the credit card expires, if you do not replace the new card, you can not continue to use it. 
Industrial and Commercial Bank of China: 3 years Bank of China: 3 years Agricultural Bank: 3 years, 5 years, 8 years (depending on the card type)
Construction Bank: Magnetic stripe card for 5 years, chip card for 8 years Bank of Communications: 5 years Merchants Bank: 3 years Guangfa Bank: 3 years CITIC Bank: 3 years - 5 years (depending on card type)
Industrial Bank: 5 years Minsheng Bank: 3 years - 5 years (depending on the card type)
Citibank: 3 years 
When the credit card expires, what are the precautions for changing the card?