Failure to change the debit card after the expiration will cause transaction restrictions, self-service restrictions, time restrictions, extra fees and credit records. If the cardholder fails to replace the expired card in time, the credit reporting agency will record the bad credit record, which will have a negative impact on the personal credit rating. Debit card refers to the bank card issued by the issuing bank to the cardholder. There is no credit limit, and the cardholder deposits first before using it. Debit cards can be divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn, and transfer cards have the functions of transferring money, depositing and withdrawing cash and spending. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements and directly deducts money from the card during the transaction.