database er diagram  desgin user credit equal 0 after expiry date

AFIF JABADO
AFIF JABADO used Ask the Experts™
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i have a table user contain member details  and each member have a credit
this credit  has a expiration date can anyone help me or give me an idea how i can implement the ER diagram

the credit maybe will be for two or three month  and some user don't have expiration date for him credits

if any exerts can help me on desgin or ..

create table usres
field : userid p.k , username , password

create table usercredits
field creditid , userid , fromdate , todate , creditnumber,status

where todate is expirydate..
fromdate todate maybe it will be for one month or ...

i can run a trigger on the table usercredit to check if getdate > todate status is expired
than he can user the available credits.

hope anyone can help me in implementation :)
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Commented:
i don't want a program to design .. i want someone can help me or give idea how to design the ER diagram of my request...

i can do this using phpmyadmin or using mssql for design ..

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