In the case of China Merchants Bank credit card, if the card expires, it cannot be used.

When the validity period of a credit card is about to expire, our bank will usually send a card replacement notification text message to the cardholder and proactively issue a new card to the cardholder without any formalities. If the old card type has stopped being issued, other card types will be issued after expiration. The main cardholder should follow our bank's text message or email instructions to log in to online banking to select an alternative card type or cancel the issuance of the new card. To change your student card when it expires or transfer after graduation, please follow our bank’s text message or email instructions to log in to online banking immediately. The online banking operation is in Card Management-YOUNG Card Management. Usually, a new card will be sent to you at the end of one month before the credit card expires. It will be sent by registered mail. Generally, the registered mail will be sent within 15 days.