Yes, after the credit card expires, as long as it is not maliciously defaulted, it can be reduced or exempted. It is a breach of contract not to repay after a credit card is overdrawn. The bank may require the cardholder to repay the principal, overdue interest, late payment fee and over-limit fee, etc. At the same time, the bank can apply to freeze your card, list you as a prohibited customer (blacklist), file a lawsuit with the court and apply for enforcement. For the purpose of illegal possession, the cardholder maliciously overdraws a certain amount, and the overdue amount exceeds 1 000. If the cardholder fails to return it after being urged twice by the issuing bank for more than 3 months, he is suspected of credit card fraud and will bear criminal responsibility.

1. If it is a credit card of China Merchants Bank, the monthly bill settlement date and due repayment date are fixed. If the repayment is overdue, it will generate late payment fees and interest, and it will affect personal credit. The customer's credit information will be recorded in the personal credit database and become a part of the credit record. The overdue fine is 5% of the unpaid minimum amount, and the minimum amount is RMB 10 yuan or USD 1 yuan. Interest refers to the collection of all consumption in the current period from the bookkeeping date (usually the day after consumption), with a daily interest rate of five ten thousandths until you pay it off in full. In order to avoid affecting personal credit, it is recommended that you repay on time. If it is not convenient to pay off the bill in full, please pay off at least the minimum repayment amount on time.

2. Forgot to repay, failed to repay in time due to business trip, travel or other reasons, or overdue credit card due to delayed payment channels. After the credit card is overdue, there is still room for negotiation with the bank as long as it is not a malicious breach of contract. If the credit card is overdue due to negligence or objective reasons, Bian Xiao suggested that the cardholder should contact the issuing bank as soon as possible after the credit card is overdue, explain the facts and reasons of the overdue, and discuss the solution with the bank. Under normal circumstances, as long as the cardholder repays in full and on time, the bank will not make any bad comments on the cardholder's usage record, but only truthfully feedback the card usage and repayment record. It is recommended to keep a good record of consumption and repayment in the future, which will continuously increase credit. It should be noted that the overdue interest and other expenses incurred in this case shall be borne by the cardholder, and the bank will generally not reduce it.

Third, if there is no money to repay, the credit card will be overdue. The cardholder should contact the issuing bank as soon as possible. In view of the cardholder's positive performance and previous good credit record, banks often agree to postpone repayment, and negotiate with the cardholder a mutually acceptable repayment plan, including the extension period, interest discount, monthly repayment amount, etc. In this way, if you take the initiative to contact the bank and the bank agrees to postpone the repayment, it will not be recorded in the bad credit record. It should be noted that it is necessary to ensure repayment as agreed, and no overdue will occur again.