Core Viewpoint - The expiration of savings cards does not equate to account cancellation or fund freezing, ensuring the safety of user funds [2][3] Group 1: Account and Fund Safety - Expired savings cards do not affect the status of the account or the safety of funds, allowing users to continue accessing their deposits and investment services [2] - The expiration serves as a mechanism for banks to identify and manage inactive accounts, optimizing operational efficiency and resource allocation [3] Group 2: Inconveniences of Expired Cards - Expired cards can disrupt daily transactions, such as point-of-sale purchases and ATM withdrawals, as well as interrupt automatic payment services [3] - The specific limitations imposed by expired cards may vary by bank, depending on their management rules [3] Group 3: Card Replacement Process - Users are advised to monitor the expiration date on their cards and replace them promptly to avoid payment disruptions [5] - Major banks offer convenient card replacement services, including online applications and local branch support, ensuring a seamless transition to new cards [6] - Community banks are encouraged to enhance local services, such as mobile service units and home visits for elderly clients, to facilitate card replacement [6]