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The card issuer then has the option to reevaluate an account before they send out a new card. Unless the account is upgraded or product changed, the credit card number usually stays the same.Ī credit card issuer might also send a letter asking the cardholder if they’d like to renew their card. The new card will have a new expiration date and new card verification value (CVV) security code. Most credit card issuers automatically mail cardholders a replacement card 30 to 60 days before the card’s expiration date. The card won’t work in stores and with online purchases and will return a “declined” notice from the bank. What Happens After a Credit Card ExpiresĪfter a credit card expires, it will no longer be possible to use it to make purchases. Banks set expiration dates based on a number of factors, including physical wear-and-tear on the card, security and encouraging consumers to reevaluate their credit card plans for upgrade. How Credit Card Expiration Dates Are DeterminedĬredit cards expire every three to five years, depending on the issuer. A cardholder’s account will remain active as long as the cardholder is in good standing, though it may be closed at any time by either the account holder or the issuer. For example, a credit card’s expiration date may read as 11/24, which means the card is active through the last day of November 2024. Credit cards expire at the end of the month written on the card.

How To Find Your Credit Card Expiration DateĮxpiration dates appear on the front or back of a credit card in a two-digit month/year format. Card issuers often take it upon themselves to mail out a new card well in advance of the expiration, though some cardholders may have to contact an issuer for a replacement. For cardholders, it doesn’t mean the actual credit account will cease to exist, it simply means you’ll need a new piece of plastic from the bank. What Does the Expiration Date Mean on a Credit Card?Īn expiration date on a credit card is simply the date on which the card itself will no longer work and must be replaced.