1. After the expiration date, it usually takes a while before you can apply for a credit card again.

2. In China, credit card overdue records will have an impact on personal credit ratings. Depending on your credit profile and bank policies, it may take several months or longer to reapply for a credit card.

- Overdue credit card records are often retained on personal credit reports, which are managed by credit bureaus. When banks review credit card applications, they will review personal credit reports and refer to overdue records to assess an individual's repayment ability and risk level.

- Most banks will be conservative with applicants with a history of past dues, as past due behavior indicates the borrower's credit risk. Therefore, before reapplying for a credit card, you should pay off all overdue balances as much as possible and ensure that you have a good repayment record in the future.

- In addition, when reapplying for a credit card, factors such as personal income, employment status, and other liabilities will also be considered. If things improve in these areas, it may increase your chances of getting a credit card again.

3. In summary, after a credit card expires, the time to reapply for a card varies depending on personal credit status and bank policies. Generally speaking, you need to wait a few months or more, and you must ensure that your personal credit situation improves during this period.

4.

Extended information: Overdue repayment refers to the borrower's failure to repay the loan or the amount due on the credit card bill on time. Overdue credit will have a negative impact on personal credit ratings and may lead to damage to credit records, which will in turn affect subsequent applications for credit products. Personal credit reports are provided by credit bureaus and contain information such as personal credit history, debt status, and repayment records. A good credit history helps access more financial services and lower interest rates. Therefore, when using a credit card, it is very important to repay the debt in time to avoid the adverse impact of overdue payments on personal credit.

Note: This answer only provides an explanation of credit card overdue processing in general. Specific policies and waiting times may vary depending on individual circumstances and bank policies. It is recommended to consult the specific bank for more accurate information.