If you want to apply for an interest suspension after your credit card expires, you can follow the steps below:

1. Contact the issuing bank: First, contact the issuing bank of the credit card to indicate your Willing to and apply for suspension of outstanding debt. Communication can be done by phone, online customer service, or in person at a bank branch.

2. Explain the reasons and provide proof: Explain to the bank the reasons for the overdue payment, such as financial difficulties, emergencies, etc., and provide corresponding supporting materials, such as income certificates, medical certificates, etc. This helps the bank understand your situation and increases the likelihood of a suspension.

3. Propose a repayment plan: Develop a reasonable repayment plan to ensure that the debt can be repaid on time. Demonstrating your ability and commitment to repay is a positive sign to the bank.

To sum up, if your credit card is overdue and you want to apply for an interest suspension, you need to contact the card-issuing bank to explain the reason for the overdue date and provide supporting materials, and at the same time develop a reasonable repayment plan. Doing so can increase the likelihood of successfully applying for a suspension of pending debits.

Extended information: Overdue credit cards will result in penalty interest, and pending credit means that the bank suspends interest calculation and no longer charges interest on the overdue portion. Suspension of interest rates can reduce the repayment pressure of overdue persons, but it requires the approval of the bank to take effect. Different banks may have different application procedures and requirements, please operate according to the specific situation.

The above is an answer based on relevant Chinese regulations.