Everbright Bank's credit cards are basically valid for three years, but there are also some types of cards that are valid for five years.
The validity period starts from the day when the card is approved, so everyone's credit card of Everbright Bank has a different validity period.
However, the validity period is marked on the credit card. The number displayed in the "XX/XX" format on the credit card is the service life of your credit card.
Before the expiration of the credit card, the bank will generally notify the customer before the expiration of the credit card, so if you want to continue using it, you can confirm your receiving address, because if your mailing address changes, tell the bank so that the bank can send the card to you.
So you don't need to go through any formalities when the credit card expires. The bank will send a new card to the customer. You just need to activate the card, and then cut the old card and discard it.
However, if you have not received a new card when it is due, you should contact the bank in time.