If the bank decides not to apply for a new card after the credit card expires, it belongs to the bank to unilaterally cancel the contract with you. The old card can't be used after it expires, and there is no need to cancel the account. For the safety of personal information, please cut the card yourself. If the bank doesn't cancel the contract, it just doesn't give you a new card for some reason. If you don't want to use it, you still have to cancel the account.