According to the description of your question, your current situation is: your Bank of Communications credit card has expired, but there are still outstanding payments. In this case, of course, you can continue to repay, and the arrears must be paid off.

After the credit card of Bank of Communications expires, your credit card use will be restricted, and you can no longer overdraw for cash withdrawal, but the arrears are still valid, and you need to continue to repay until you pay it off. You should also note that the expiration of your Bank of Communications credit card does not mean that the credit card will be cancelled, and the annual fee will still be charged. If you want to continue to use it, you can choose to renew it. If you don't want to continue using the card, you can choose to call the bank customer service directly to return the card.