My credit card has expired. If I don't, will there be risks? If the Lord really has no money to pay back. I can't help it I want to postpone it for a while.

The credit card is overdue if it is not returned. If it is overdue, a penalty will be charged, and all the consumption of this bill will not enjoy the interest-free period, and interest will be calculated. The most important thing is that there will be a bad credit record. After the deadline, enter the collection link, first collect by SMS, and then collect by phone. If it still doesn't work, you can go to the door to recover it, or you can sue through legal channels. We'll see what the court decides then. So I still want to find a way to repay as soon as possible.