The display of no valid bank card indicates that the user does not have a credit card or the user's existing card can no longer be used normally. The reasons for this may be that the credit card is not activated, the card has exceeded its service life, the magnetic stripe of the credit card is worn, and the account status is abnormal. If the delay leads to failure, then you need to pay off the debt first. If the account fails due to problems, it is necessary to provide corresponding evidence to the bank to prove the security of the account; If the card fails due to damage, you need to go to the counter to replace it or change it.