How to handle saved payment method that is about to expire?

A customer may have a saved payment method (for convenience, recurring payments, etc.). What is the best way to prompt a user to add a replacement?

I've tried to google for examples but because every payment form has "card expiration date", I've field due to the "needle in a haystack" problem.

Is there a design pattern for that at all (like there are patterns for saving a payment method)? This seems to me as an edge-case problem that thousands upon thousands of businesses would have and, perhaps, there is a well-established practice to handle that kind of situation.