What you need to know about credit card expiration dates (2024)

FAQs

What you need to know about credit card expiration dates? ›

What day of the month does a credit card expire? Credit card expiration dates are usually listed numerically on a card as a two-digit month and two-digit year. For example, 12/27 means the credit card has an expiration date of December 31^st, 2027. Credit cards expire on the last day of the month listed on the card.

Expiration dates typically appear on the front or bank of credit cards. Card issuers list expiration dates using a two-digit month/year format. If your card's expiration date reads as 05/26, the card is active through the last day of May 2026.

Credit cards usually don't work after their expiration date, but the account they're attached to is still active. Your credit card issuer will typically mail your new credit card ahead of the old card's expiration date, so it's a good idea to make sure the address on your account is up to 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.

The expiration date will appear on your credit card in month/year format. For example, a credit card expiring in July 2025 would show “07/25.” The card remains active until the last day of the month listed. So, in this case, the card would be active through July 31, 2025.

The expiration date of your debit and credit cards helps keep your accounts secure and allows banks to replace your card with the newest technology. While it may be a hassle to update your card information for automatic payments, consider it a small price to pay for protecting your accounts.

The due date is usually about three weeks after the statement date. Failure to pay at least the minimum by the due date will result in a late fee. The reporting date. This the date on which the card issuer reports your balance to the credit bureaus.

Human error: In some cases, a human error during data entry or processing could result in a wrong expiry date being entered for a credit card transaction. This could happen if the person entering the information mistypes or misreads the expiry date [1].

For your convenience, the credit card company will automatically send you a new card with the same number but a different expiration date. This will usually be sent via postal mail weeks before the old card's expiration date.

Credit card expiration dates give the card issuer a chance to send you a new card with updated tech, and it can help keep your account secure and your card usable. Plus your card's expiration can provide you with a good chance to review what you use your card for.

How to enter card expiration date? ›

“MM / YY”: This is the most common formatting for the expiration date printed on credit cards, resulting in a 1:1 mapping between the physical card and the virtual fields, and which is good for understanding the input, minimizing deciphering issues, and also for supporting keyboard entries.

As a matter of security, generally, no two cards have the same CVV. If you sign up for a new credit card or replace an existing one, you'll end up with a new code; the same applies if your current card expires and you receive a replacement.

Dates on food indicate how long they will retain their freshness and best quality. Most perishable foods are good well beyond the "sell by" or "use by" date.

The longest expiration date for a credit card is typically five years after it is issued. To know when your credit card will expire, look at the front of the card for the date, usually shown in MM/YY format. The expiration date marks the end of that month.

Generally, a card is valid through the month identified in its expiration date. If the expiration is 07/27, for example, then the card may be used through July 2027. However, expiration dates apply only to the physical card, not the credit card account.

The Takeaway

The good news is that cards expire at the end of the expiration month, not the beginning. When a credit card expires, you'll get a replacement in the mail, but you'll have to activate it before you can use it.

What To Do When Your Card Expires. For your convenience, the credit card company will automatically send you a new card with the same number but a different expiration date. This will usually be sent via postal mail weeks before the old card's expiration date. Included will be instructions to activate the new card.

However, it's important to understand that "expiration" or "best before" dates on food and other products are not exact science and are often conservative estimates. They are intended to guide consumers on the period during. The label "EXP 01/23" indicates that the product is expected to expire in January 2023.