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银行卡和信用卡的到期日期通常会在卡片正面右上角或背面上角标注，这是卡片有效期截止的日期。当银行卡或信用卡到期时，卡片将失效，无法继续使用，因此必须及时办理新卡。

要办理新的银行卡或信用卡，可以选择以下几种方式：

1. 在到期之前联系银行：通常银行会提前几个月寄送新卡到你的注册地址。如果没有收到新卡，你可以联系银行客服咨询，并提供工作人员需要的个人信息以验证身份。

2. 到银行柜台办理：可以选择亲自去银行柜台，提供身份证明和旧卡，申请办理新卡。银行柜台的工作人员会为你重置并更换新卡。

3. 在线办理：有些银行可以在其官方网站或手机上在线办理新卡。只需要账户，选择办理新卡的选，并填写相关信息即可。

请注意，在新卡激活之前旧卡依然可以继续使用，因此在新卡到手之前，确保旧卡的正常使用非常重要。新卡到手后，需要及时激活，并按照指示设置密码。

在新卡到手之前，建议备用一些现金或使用其他支付方式，以备不时之需，避免因为银行卡失效而导致支付困难。

翻译如下：

What to Do When a Bank Card or Credit Card Expires? Can It Still Be Used?

The expiration date of a bank card or credit card is usually indicated on the top right corner of the card's front or the top left corner on the back. When the bank card or credit card expires, the card becomes invalid and can no longer be used. Therefore, it is necessary to ly for a new card in a timely manner.

To ly for a new bank card or credit card, you can choose from the following methods:

1. Contact the bank before the expiration date: Banks usually send new cards to your registered address a few months before the expiration date. If you haven't received the new card, you can contact the bank's customer service for inquiry and provide the necessary personal information to verify your identity.

2. ly in person at a bank counter: You can go to the bank counter in person, provide identification and the old card, and ly for a new card. The bank counter staff will reset and replace the card for you.

3. ly online: Some banks allow you to ly for a new card on their official website or mobile . Just log in to your account, select the option to ly for a new card, and fill in the required information.

Please note that the old card can still be used before the new card is activated, so it is important to ensure the normal use of the old card before receiving the new card. After receiving the new card, you need to activate it promptly and set a password according to the instructions.

Before receiving the new card, it is recommended to keep some cash as a backup or use alternative payment methods to avoid difficulties in payment due to the expiration of the bank card.