How To Check Credit Card Expiration Date

Generally, all credit cards come with an expiration date, just like a debit card. This date is printed on the front side of the credit card and is an important piece of information that is used for verification purposes. Therefore, it adds up to also act as a security feature. An expiration date basically means that the credit card is not valid and can be used only up to the said date printed on the respective card. All customers will have to renew their credit cards post their expiration date.

How To Check Credit Card Expiration Date?

• Some important credit card related information is printed on the face of the card: This includes the 16-digit credit card number, name of the holder, issue year and expiry date
• The credit card expiry date is generally found to be printed below the 16-digit account number

Credit Card Expiration Month And Date

• For example, if the expiry date printed/embossed on the card is ‘06/22’, this means that the card will expire in the month of June
• Most banks allow customers to use the credit card until the end of the month. This means that the credit card will be valid until June 30, 2022. The card can therefore not be used on July 1, 2022.
• Generally, banks will send customers new/renewed credit cards well in advance

What To Do After Credit Card Expires

• Most banks keep a track of the credit card expiration dates and will ideally courier a new credit card with the same number to the customer well in advance
• On the other hand, some banks will ask the customer to apply for credit card renewal. This is a simple process and can online or by visiting the home bank branch

Things To Know About Credit Card Expiration

• Credit card accounts are still valid: Even after the credit card expires, the credit card account of the customer will still be active, unless he/she wishes to close the same.
• Date, a security feature: The expiry date that is embossed on a credit card acts as a security feature and helps prevent fraud of any kind. It acts as an additional protective layer as most retailers and merchants verify this piece of information.
• Card wears out with time: Another reason why there is an expiry date is because credit cards wear out with regular use and often becomes unusable.
• Upgrades: With new changes in technology, old cards can often become obsolete. This is why a credit card cannot be held for a lifetime and needs to be updated from time to time with the advancements in technology.

Visa Credit Card Expiration Date

All Visa credit cards come with an expiry date and this date cannot be changed. Cardholders will have to renew their cards and cannot use an expired card at any cost.

FAQs on How to Check Credit Card Expiration Date

1. Will my bank keep track of my credit card expiry date?

   Yes, most banks keep a track of the credit card expiration dates and will ideally courier a new credit card with the same number to the customer well in advance.

2. Why is the expiry date embossed on my credit card?

   The expiry date that is embossed on a credit card acts as a security feature and helps prevent fraud of any kind. It acts as an additional protective layer as most retailers and merchants verify this piece of information.

3. Will my credit card be invalid from the next day of expiry?

   Most banks allow customers to use the credit card until the end of the month.

4. Will my credit card account be active have my credit card had expired?

   Even after the credit card expires, the credit card account of the customer will still be active, unless he/she wishes to close the same.