There will be the following consequences if the credit card expires: 1. First, the credit card becomes overdue, resulting in high late fees and interest, and the interest will be compounded monthly. After a period of overdue, the bank will call for repayment. And before the overdue credit card records are collected by the bank phone, the bank has already reported them to the credit information system for record. 2. The credit card was stopped. If the cardholder fails to repay the loan, his credit card will be deactivated. If you are in arrears for a long time or for many times, the bank will think that the cardholder's repayment risk is relatively high, and will stop using this credit card and recover the arrears from him. The bank may apply for auctioning the cardholder's other fixed assets if the bank still fails to pay back the credit card arrears. 3. You can't use the credit card any more. If the credit card is in arrears for more than 9 days, the bank will freeze the credit card. Only when you pay off the debt will you have a chance to unfreeze it. But if you don't pay it back, you may lose the right to use this credit card forever. Not only that, you will be rejected if you apply for other credit cards in this bank. 4. Personal credit stain. With a bad credit record, it will be difficult to apply for a credit card. Similarly, the loan for buying a house will be different: the loan amount is relatively small and the loan interest rate is relatively high. If the situation is even worse, the bank loan application will only be rejected. 4. After repeated collection by the bank, the credit card holder still fails to pay off in full or refuses to repay. When the late payment fee and interest interest on the credit card reach a certain amount, the bank will file a lawsuit with the court for "credit card fraud". As soon as the bank sues, the court summons will be sent to the credit card holder's home or company soon.