What Happens When Your Credit Card Expires with RBC?

Handling an expiring credit card can sometimes be a mystifying experience, placing many individuals in a conundrum. Importantly, Royal Bank of Canada (RBC) clients need to pay close attention to this transition. This article aims to demystify what happens when your credit card expires with RBC and will guide you through the step-by-step options you have in such a situation. We'll explore addressing it through online banking, mobile app, and customer service calls.

Understanding Credit Card Expiry Handling at RBC

Typically, RBC automatically sends you a new credit card about a month before your current one expires. But what if you haven't received it? Do not fret; there are a couple of options available to take care of such an event. The three primary methods are through online banking, the RBC mobile app, or just a simple call to their customer service.

Option 1: Online Banking

Online banking provides an incredibly convenient way to handle your expiring credit card with RBC. You can check your mail status, request a new card, or update your mailing address. Here's a step-by-step guide:

• Navigate to the RBC online banking website.
• Log in with your user ID and password.
• From the 'Account Summary' page, select your credit card account.
• Choose the 'Manage My Cards' option to view your card’s status and order a replacement card if necessary.
• If you haven’t received your new card and your address has changed, update your contact information immediately to receive your card.

Option 2: Mobile App

Embracing the digital age, RBC has a mobile app that offers flexibility and convenience in managing your credit card affairs. If your card is about to expire or already has, follow these steps:

• Download the RBC mobile app on your device and log in.
• From the main menu, choose 'Accounts' and select your credit card from the list.
• Select the 'Manage My Cards' option.
• From here, you can see the status of your new card and order a replacement one if necessary.
• Remember to keep your address updated in the app to ensure you get your card promptly.

Option 3: Customer Service Call

If you prefer a more personal touch or have questions about your account, you can also contact RBC's customer service directly. They can help you track your card's status and expedite the replacement if necessary. To reach out to them:

• Locate the customer service number at the back of your card or on RBC's website.
• Prepare your account information for security verification.
• Express your queries or requests to the representative; they should be able to assist you promptly and efficiently.

In conclusion, dealing with an expired credit card at RBC doesn't have to be a hassle. Whether you prefer to use online banking, the RBC mobile app, or calling customer service directly, each path is designed to ensure you can handle your credit card issues efficiently and effectively.