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 ‘06/19’, 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, 2019. The card can therefore not be used on July 1, 2019.
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.
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I have ICICI bank credit card which was offered through Bank .I am using this credit card for the past 6 months and the credit limit was really good and it was sufficient as well .This was a free card and there are good reward points as well as cash back offers .I have got the credit card on time without any delay .
I am using RATNAKAR bank Bajaj credit card for more than a year which was applied through an other channel. It is an annual fee chargeable of 1000 rupees. The credit limit is given for 45 thousands which was sufficient. There is an EMI option but charges are high 23%. I use this card for shopping and get reward points.
I have HDFC Bank credit card which was applied through Bank directly .The credit limit was really good and it was sufficient as well and got all the details about the card process very clearly through the agent.This was a free card and got the card on time .Customer service is also good and getting good response if contact for any query .
I have State Bank Of India credit card which was applied through Bank directly and got it .I am satisfied with the credit limit and got all the details about the card process very clearly through the agent.This was a chargeable card and got the card on time .Customer service is also good and getting good response .
I am using ICICI Bank credit card which i am using for more than 2 years .I have taken this credit card through bank directly.This was a free card and got the details about the card process through the agent.I have got very good credit limit and this card is good to use .I am very much comfortable with the service so far .
I am using Axis Bank credit card which i am using for more than 2 years .I have taken this credit card through bank directly.This was a free card and got the details about the card process through the agent.I have got good credit limit and this card is good to use .I am satisfied with the service so far .
I am satisfied with Bankbazaar's service. Bankbazaar is helping me a lot to get credit card. I had come to know about Bankbazaar from Google. I have downloaded their mobile application. I am receiving update credit score and I can check loans and credit card offers.
I applied for HDFC BANK MONEYBACK CREDIT CARD. I submitted my documents online. They have closed my application as my credit score is very low. I tried 2-3 times for credit card. My salary account is with HDFC Bank still they are rejecting my application.
I have State Bank Of India credit card which was taken through Bank directly.I am using this credit card for the past 2 years ,This was a life time free card and satisfied with the credit limit as well.There are reward points but no cash back offers .The service was really good and i am very much comfortable to use this card .
I have HDFC Bank credit card which was taken through Bank directly.I am using this credit card for the past 4 years ,This was a free card and i have got a very good credit limit it was upto 1lakh .There are good cash back offers and reward points .I am using this card for mostly for online purchase and i am getting good offers as well.
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Reviewed on Sep 21, 2019
I am using Axis Bank credit card which was taken through Bank directly .I am using this credit card for the past 1 year .The credit limit was really good it was upto 40,000 and it was very much comfortable as well.This was a chargeable card and having good reward points as well as cash back offers.
I have been using Bankbazaar's mobile application for a long time. I am using it to my account details, loans and credit card offers. I am really satisfied with their services. I have come to know about Bankbazaar from a promotional message.
I have HDFC Bank credit card which was offered through Bank .I am using this credit card for the past 1.5 years.The credit limit was good and it was acceptable as well. There are really good reward points as well as cash back offers ,This was a free card and it is very easy to use and it was smooth as well .
I had applied a MONEYBACK CARD from HDFC Bank. I had arranged the documents to submit. I called them many times but their number was not reachable. I just spoke to them one on the phone once. One of their executives told me that they don't give loan to security guard.
I have been using Bankbazaar's service for the last 2-3 years. I have downloaded their mobile application to check credit card offer and loans. It's very useful. I had come to know about Bankbazaar when I received a promotional message to check credit score.
I had applied HDFC BANK MONEYBACK credit card. Their executive called and informed me that my application has been closed because my employer is not private limited. I submitted my documents online. Their customer service was good, they gave me proper information.
Last two years I am using SBI simply save card, its easy to access any where either in all the swiping machine. It has yearly fee around Rs.2500, they have airport lounge, travel discounts, they do have cash back at amazon, flipkart and other sites.
I have HDFC Bank credit card which was taken through Bank.I am using this credit card for the past 1 year .This was a free card and the agent gave all the information about the card process.I have got the credit card on time and the credit limit was good .I have not submitted any documents since it was a paperless approval .
My master privilege card has yearly fee of Rs.1500, Its a basic card for regular usage. Some time I get fuel surcharges around 2% but its not so beneficial , I am getting reward points based on my spend. For 100 rupees I get 4 points is equal to one rupee.
AXIS bank upgraded my credit card feature in my seven years of experience, earlier I had my zone card now I got classic signature card it has yearly fee of Rs. 5000, they give same value of Rs.5000 cash back for shopping purpose like big bazaar and they do have airport lounges, air miles.