According to the information you provided, the reasons why the bank did not proactively contact you by phone when your credit card (debit card) has expired may be as follows:

1. Inaccurate bank contact information: It may be that the phone number or other contact information you provided when applying for a credit card has changed, causing the bank to be unable to contact you in time.

2. Credit card bills are not delivered: Banks usually send credit card bills to cardholders by mail. If you have not updated your address for a long time or there is a problem during the mailing process, you may not receive it. Bills, and thus unable to know the overdue status in a timely manner.

3. Communication problems: Due to various reasons, the bank's call to contact you may not be successfully connected, for example, your mobile phone is not in the service area, the phone card balance is insufficient, etc.

Summary:

Why the bank did not contact you by phone after the credit card (debit card) expired may be because the bank cannot contact you or you did not receive the relevant notification. In this case, it is recommended that you contact the bank proactively to confirm the overdue bill and discuss repayment methods.

Extended information:

If you want to know your credit status such as overdue credit cards in a more timely manner, you can use the credit big data query service. Credit big data query is a method that provides users with query results related to personal credit through information cross-validation and data model analysis. By querying credit big data, you can learn about your credit card overdue, loan records and other information, which can effectively help you understand your credit status and repair and manage it in a timely manner.

The above are answers based on the question information you provided. Hope this helps! If you have any other questions, please feel free to continue asking.