The credit card (debit card) has bad debts and the card has expired. You can pay your debts through the bank counter. After the arrears are settled, the bad debt status will be eliminated after 5 years. However, due to serious overdue, even if the card is settled, most of them can't continue to use it in the future. Therefore, after the arrears are settled, users can try to apply for a credit card (debit card) after eliminating the bad debt record.

For users, credit cards (debit cards) will be automatically cancelled if they don't apply for new cards when they expire. Banks usually issue new cards to users before they expire.