If the credit card (debit card) is not replaced after expiration, the old card cannot be used after expiration. At this point, the user can choose to cancel the old card. Moreover, users also need to use cards, so it is best to change cards, and the new cards received will be activated immediately. Re-apply for a new card, review, make a card, send it, etc. It takes some time.

Of course, after the credit card (debit card) expires, the bank does not force the user to change the card. Whether to change the card depends on the user's own card demand.