If a credit card expires and is not replaced, it will immediately become invalid. You cannot continue to use the card. You can only re-apply for a credit card from the bank and get a new card before you can use it. This new card is not the same as the one that was replaced after expiration. The card information is completely different, the card number, security code, validity period, etc. will change, and the credit limit is also different.

There will be no consequences if the credit card expires

1. The credit card will first become overdue, resulting in high late payment fees and interest, and the interest will be compounded on a monthly basis. After a period of overdue payment, the bank will call to collect payment. Moreover, the bank has reported overdue credit card records to the credit reporting system and recorded them before the bank calls to collect the repayment.

2. The credit card is suspended. If the cardholder fails to repay, his or her credit card will be deactivated. If you default on a large amount of debt for a long time or multiple times, the bank will consider the cardholder's repayment risk to be relatively high, and will stop using the credit card and collect the debt from the cardholder. For cardholders who still fail to repay their credit card debts after the bank pursues them, the bank may apply to auction the cardholder's other fixed assets.

3. Personal credit stain. Once you have a bad credit record, it will be difficult to apply for a credit card. Similarly, loans for buying a house will be different: the loan amount is relatively small and the loan interest rate is relatively high. If the situation is worse, the bank loan application will only be rejected.

4. After repeated collections by the bank, the credit card holder has not paid off the full amount or refused to repay. After the late payment fees and interest accrual on the credit card reach a certain amount, the bank will A prosecution was submitted to the court for "credit card fraud". Once the bank files a lawsuit, a court summons will soon be sent to the credit card holder's home or business.

The court will sentence the cardholder to a term of imprisonment and the amount of a fine based on the actual principal amount owed by the credit card holder. Moreover, after a credit card holder is sentenced to prison, his credit report will become a permanent blacklist. Even after he is released from prison, he will never be able to apply for any credit cards or loans.