MIFI won't care as per my experience.
You are right, they are really careless in this regard, it happened to me as well. Our first CSQ application was submitted to MIFI on 18 Feb 2020, the credit card was expired on 30 May 2020, almost 4 months after we submitted. They returned the complete application with a letter indicating that new Credit Card info is required. I sent with the required info in July and reached them on the 7th of July. I received AoR in August. I called them and explained the case. They just told me carelessly that we will process your application from July 7th, not from Feb. Then I found our region's MP, they also tried and received the same answer from MIFI. It is really unfair and ridiculous
Please be advised/careful, when you send your application back with new credit card information, sign and put the current date, otherwise, they will tell you again that your application is too old, and you will suffer from delay again, not them. This was advised by an immigration lawyer.