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If your credit card is about to expire:

If you want to deal with someone face-to-face, you should just walk into your local branch and let the teller and/or personal banker that you need a new card, and they will help you. However, the best way is to call the phone number that is listed on your card. Many banks reassess your credit to determine whether to keep your account open or not, but your bank might just send you a new card, which will have both a new expiration date and a new set of numbers, also known as the account number...

If you need a new account, period:

Bank managers do not determine your creditworthiness and give you a card: that is the job of the bank's credit department. Apply online, call the bank's number, or walk into a branch to have a personal banker help you apply. However, if you get denied then you need to deal with the credit department, for the branch employees can't "sway the judges" and magically make the bank give you a card.

Recap: the bank manager does not determine your eligibility for a new card and can't give you another one- that's the credit department's job.

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13y ago

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