The solutions to the problem that the credit card has expired and the money has not been paid off are as follows:

1. You can proactively contact the bank to apply for an extension. If the bank agrees, you can follow the negotiated new terms. Make the repayment according to the repayment date;

2. Or you can borrow money from relatives and friends first to ensure that you can repay the minimum repayment amount before the repayment date (inclusive). And if you cannot repay before the repayment date (inclusive), you must at least ensure that you can repay the minimum repayment amount within the repayment grace period. Because only in this way will the bank not count it as overdue, which will affect your personal credit;

3. If you find that you are unable to repay the current bill, you should also apply for installment as soon as possible, otherwise you will have to wait until If you don’t have the money on the repayment date and you can’t pay it in installments, it will be too late. After applying for installment, at least the pressure of repayment can be suspended;

4. If the cardholder has bad card usage behavior, such as overdue payment, cash out, etc., the bank will not mail a new card. The cardholder is required to go to the bank counter to make repayment.

Renewal of credit card after expiration:

1. Receive text message. Before the credit card expires, you will receive a text message from the card-issuing bank reminding you that the credit card has expired. Of course, the cardholder must first ensure that the mobile phone number reserved by the cardholder in the bank is always in use in order to receive the text message;

2. View the card. After receiving the expiration reminder text message, check the card to see when the credit card's expiration date is, and check the bank's customer service phone number. There is a customer service phone number on the credit card;

3. Customer service phone number. Generally, you should call the customer service at least half a month in advance to inform them that the credit card has expired and apply for a new card. The bank customer service will check the basic information of the cardholder. Once the verification is correct, the cardholder's application will be recorded. Check the cardholder's shipping address and inform the bank promptly if there is any change;

4. Receive the card. As long as the shipping address left by the cardholder is correct, you will receive a new credit card in about half a month. Generally, credit cards are sent by registered mail. The credit card slip sent will be the same as the previous card account number. Different, but not activated;

5. Activate the card. The new credit card sent will be accompanied by activation instructions. Just follow the steps above to activate the credit card. After activating the new credit card, the previous credit card cannot be used.

To sum up, the expiration of a credit card does not mean that you cannot repay. If the loan is not repaid, you can still continue to repay. If you do not repay, you will face the risk of overdue interest. Situation In severe cases, your credit report will be affected, so you must remember the repayment date clearly. If you fail to repay due to credit card expiration, you must negotiate with the bank in a timely manner.

Legal basis:

Article 13 of the "China Bank Card Industry Self-Discipline Convention"

Member units should strengthen publicity on bank card use and risk prevention work to ensure that customers have full rights to know and choose regarding bank card business interest calculation, charging standards and related risks.

(1) Member units should strengthen the disclosure of credit card business information and fully reveal the meaning of credit card interest calculation rules. They should clearly state the interest calculation rules in prominent fonts in the credit card application form and publicize them through websites and other channels. Provide calculation rules and simulation cases;

(2) Member units should implement regulatory requirements and choose credit card interest calculation methods and corresponding preferential measures suitable for their own development based on actual conditions, but relevant information should be Clearly inform the credit card applicant (or cardholder) to ensure that the applicant (or cardholder) can decide whether to accept it according to his or her own wishes.

(3) Member units should provide repayment reminders to cardholders at least 3 days before the due date of the credit card through bills, text messages, emails, phone calls or letters.

(4) Member units can provide multiple billing dates for cardholders to choose and change, and the number of changes can be limited.