Detailed description:

1. Credit card expiration means that the credit card issued by the bank is used within the agreed validity period, and the credit report overdue for one month means that the arrears have not been returned for one month beyond the repayment period and recorded in the personal credit report.

2. After the credit card expires, the bank will generally decide whether to issue a new credit card according to the customer's repayment record, credit rating and other factors. If it is overdue for one month and you receive a credit report, it means that your credit record has been damaged, and the bank may question your credit status, thus reducing the probability of issuing cards.

3. After the credit card expires, even if it is not overdue, you need to apply for a new credit card. The bank will evaluate your credit status, including checking your credit report and repayment record. Receiving a credit report one month overdue will have a negative impact on your credit rating, which may lead to the bank refusing or delaying the issuance of new credit cards.

4. Summary: If you are overdue for one month and make a credit inquiry, the bank may be cautious about your credit record after the credit card expires, and adjust the credit card issuance decision accordingly.

5. Extended information:

Overdue repayment will have a negative impact on personal credit records, which may lead to a decline in credit rating and limit the ability to borrow and obtain financial services. It is suggested to pay off the arrears in time, negotiate with the bank to solve the overdue problem and maintain a good credit record.