1. Contact the credit card issuing bank, inform them that you have paid off the overdue debt and request to cancel the card.

2. provide the necessary identity and account information to confirm your identity.

3. following the instructions of the bank, it may be necessary to fill out a cancellation application form or provide other necessary documents.

4. Make sure that you have completely destroyed the expired credit card to prevent it from being abused.

5. Monitor your credit report to ensure that there are no relevant overdue records after the cancellation procedures are completed.

conclusion: contact the issuing bank of the credit card as soon as possible to cancel the expired credit card, and continue to pay attention to the personal credit status to ensure that there are no bad records.

Extended information: Long-term non-use of credit cards and overdue debts may have a negative impact on personal credit rating. Paying off debts in time and canceling expired credit cards are important steps to maintain a good credit history. At the same time, regular monitoring of personal credit reports can help to find potential mistakes or fraudulent behaviors and protect personal financial security.

supplementary information: if you can't contact the credit card issuing bank, you can ask for help through the bank's customer service hotline or online channels. When communicating with banks, be patient and polite, and make sure to provide accurate information so that they can help you solve the problem.