active repayment is the fundamental way, and the interest and liquidated damages can be handled according to the law, with the statutory maximum annual interest rate of 24%.
Generally, when a credit card has just expired, the bank will send a text message and call to collect it, because the overdue time is not long, and the expenses incurred are not much. In this case, the bank will ask for full repayment, and want to negotiate about stopping repayment, even if the cardholder is willing to repay.