For credit card expiration, some banks will be nervous about collection, and some banks will not be nervous about collection. Mainly different banks have different income structures, so some are nervous and some are not too nervous. Another reason is that most banks don't have a special collection department, and customer service usually does this part of the work. Their daily work is so complicated that they have no spare time at all. Many customers need to go to the door to handle it, so many banks basically don't call many times to collect it.