After the credit card expires, the bank will not renew it. First, it does not meet the conditions for card replacement. Second, the cardholder applies for not renewing the card. Details are as follows: 1. Credit cards are not opened: some credit cards have no activation period, but banks only renew the activated cards, so if they want to renew their cards, they should be opened at least two months before the expiration, because most banks will issue new cards one month before the expiration.

2. Credit card invalidation: If the credit card has been cancelled by the bank for a long time, or frozen/closed by the bank two months before its expiration, it has not been resumed.

3. Credit card upgrade to card transfer: If the gold card is upgraded to a platinum card, the card number, expiration date, security code and other information will change, and a new credit card will be issued, but the old card will not be updated until the credit card takes effect on the same day.

4. The cardholder applies for card replacement exemption: the cardholder does not intend to continue to use the card, but can call the bank customer service hotline to apply for card refund. At least 2 months before the expiration, the card will not be renewed after bank registration. Credit cards can be used until they expire, but it is not necessary to pay off all debts. For example, if there is installment payment, it can still be paid by installment.

Will you refuse to change your credit card when it expires? It depends. 1. If the credit card status is normal, and one to two months before the credit card expires, the bank will send a text message to remind you to renew the insurance. Generally, the bank will not refuse to renew the insurance. However, if the bank stops your credit card due to serious overdue or illegal use of the card before changing the card after receiving the text message, it will definitely not help you change the card.

2. If the credit card status is abnormal, the bank will seal your card, freeze it and stop payment before the expiration of the validity period, and the bank will definitely not change your card, or even send you card change information. In short, at this stage, banks only provide normal credit card replacement services. This does not rule out the possibility of re-approving qualified card users before changing cards, especially in the case of replacing old cards with new ones. If it does not exceed the standard, it is likely to refuse to change the card. How to refuse to sign a credit card after it expires? There is nothing we can do about it. Banks can only be allowed to resume credit card business before replacing credit cards. Otherwise, the application for card replacement will be rejected, and the difficulty coefficient of card approval is even greater. Because old cards are likely to be included in the bank's grey list or even blacklist, banks will be more cautious when approving new cards. Therefore, in order to avoid the refusal of a credit card when it expires, we must maintain a stable good habit, swipe your card two months before the credit card expires and repay it on time, subject to the credit card.