Hello, no. A bank needs a valid ID card to apply for a credit card, but the ID card will be invalid after it expires, so you can't apply for a credit card. You can apply for a temporary id card first, which can be used to apply for some bank credit cards.

According to the Detailed Rules for the Implementation of the Regulations of the People's Republic of China on Resident Identity Cards:

Thirty-first returned identity cards shall be recorded by the household registration authority and properly kept. Certificates that have expired will be considered invalid.

Thirty-second invalid identity cards, the household registration authority will cut off part of the seal of the issuing authority, and make a destruction list, which will be destroyed by the issuing authority regularly.