If the user wants to continue to use this original credit card, the expired credit card can be cancelled, and it is ok to choose to renew it.

After the credit card expires, it means that it will not be cancelled or cancelled. The contractual relationship between the user and the bank has not been terminated. Users had better cancel when they don't need it. If it is not cancelled, there will be certain security risks.

After the credit card expires, it just means that the current card can no longer be used, but the credit card account has always existed and the annual fee will still be deducted every year.