Does the questioner want to ask "The reason why credit cards are not renewed when they expire"? Expired or illegal use. According to information from Xicai.com, when the credit card expires, the bank refuses to renew the card for the user. This is because the user often overdues the card or uses it illegally when using the previous card. The bank considers the user a risky customer and therefore refuses to send a new card to the user. user.