According to the inquiry of China Travel Service. Com, if the credit card is not replaced when it expires, you can't continue to use it. After the credit card expires, the bank does not require the cardholder to change the card. Cardholders can choose not to change their cards, but if they choose to continue using their credit cards, they need to apply for a new credit card from the bank. The newly applied credit card will have different card numbers, amounts, expiration dates and security codes. It should be noted that after the credit card expires, the original debt has not been settled, and the cardholder still needs to repay the credit card bill on time, but only by transfer. If the cardholder's credit card has a good credit record, the bank may issue a new card on its own initiative. If the cardholder does not want to use the bank's credit card, he can choose not to change it, but he needs to inform the bank in advance, otherwise the bank may stop issuing new cards.