I certainly won't let my credit card expire, but I must find a way to solve this kind of thing. If I know when the credit card will be returned, but I can't afford it because I have no money, then I'll have to borrow it from others.
Don't be shy at this time, for fear of making others laugh. The most basic thing is to find your parents and see if you can support yourself.
The consequences of overdue credit cards are serious, and you must not take them lightly. After all, it has now become a credit society, and we must not let ourselves be defiled.
Ask your friends and relatives to help you first, and then go to the bank to ask if it will affect your credit. I remember it didn't seem to matter much how long it took.
If this situation is caused by carelessness, then the first thing after repayment is to open SMS reminder. This kind of thing must not happen again. Otherwise, you can't afford the consequences yourself.