Expired credit cards will not affect the application for debit cards.

Details:

1. Credit cards and debit cards are two different bank card products. A credit card is a lending tool, and the cardholder can make purchases within the credit limit. There is a repayment cycle, and the debt needs to be repaid on time; while a savings card is a savings tool, and the cardholder can deposit funds into it. Or for basic consumption. Therefore, an overdue credit card will not affect your application for a debit card.

2. Banks generally do not have particularly strict requirements on personal credit status when applying for debit cards. Applicants only need to provide valid identification and relevant necessary information, such as name, ID number, etc.

3. Debit cards usually do not involve overdraft and debt issues, so even if the credit card has an overdue record, the bank will not refuse to apply for a debit card because of this.

4. However, the policies of different banks may be different. Some banks will use personal credit information as a reference factor when applying for a debit card, but overdue records are not their focus. Consideration is given to personal identity and financial status, etc.

5. Generally speaking, overdue credit cards will not affect the application of debit cards, because the two belong to different banking service products.

Extended information: China’s banking system usually categorizes different bank card products, with credit cards and debit cards being the two most common types. Credit cards can meet personal shopping and consumption needs while enjoying a certain credit limit; debit cards focus more on fund storage, transfers and daily consumption. From a user's perspective, even if the credit card you hold has an overdue record, it will not affect your application for a debit card. Of course, in order to maintain a good credit record, timely repayment is very important.

The above is the answer to whether an overdue credit card will affect the application for a savings card. It can be concluded that an overdue credit card will not affect the application for a savings card. When applying for a debit card, banks pay more attention to an individual's identity and financial status, rather than paying too much attention to an individual's credit status. Of course, different banks may have slightly different policies, but in most cases, overdue credit cards will not affect the application for a debit card.

Please note that the above answers are based on a general understanding of China’s bank card system. The specific situation may change. It is recommended to analyze the specific situation in detail.