1. If the credit card has expired and the money has not been paid off, the user can still deposit money in the expired card for repayment. If the deposit fails, then the user needs to go to the bank counter to repay;

2. After the credit card expires, the bank will stop overdraft consumption, cash withdrawal, transfer and other functions, but the repayment function is generally normal, that is, after the credit card expires, the user can continue to repay.

Credit card overdue settlement is as follows:

1. Pay off the arrears in full. The longer the overdue time, the more penalty interest will be generated, and legal liability will be borne if it exceeds three months;

2. The phone of the bank must be answered. If you don't answer the phone, the bank will think that it is deliberately overdue, maybe it will run away, and it will be regarded as a malicious overdraft;

3. Continue to use the credit card and repay on time. Personal credit information with overdue records shall be kept for five years. In the meantime, you need a health card to wash away the stains. Good card use behavior will slowly cover up your overdue record.

Legal basis: Article 22 of the Measures for the Administration of Bank Card Business.

The issuing bank charges 5% of the outstanding minimum repayment amount and the over-limit credit line of the credit card holder with a late payment fee and an over-limit handling fee respectively.