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2-min read

Your Credit Cards Must Have An Expiration Date. Here’s Why!

Credit cards (CC) are among the most useful things people use every day. But here’s why it’s necessary that they all come with an end date.

Updated:April 30, 2019, 3:24 PM IST
Your Credit Cards Must Have An Expiration Date. Here’s Why!
Credit cards (CC) are among the most useful things people use every day. But here’s why it’s necessary that they all come with an end date.
Every time we transact online and enter our card details, we are reminded about just how much time we have left with our precious, current credit card. Yes, credit cards aren’t valid forever, and yes that seems inconvenient, but here’s why it’s necessary.

While it is a small measure, an expiration date is there to protect you against fraud. When using your credit card to transact online, notice how you need your CVV number, your CC number and your CC’s expiration date to work together for a successful payment. This means that even if a hacker gets hold of your Credit card number online, there are two more checkpoints to clear before they can abuse your account for anything.

point 1
Photo courtesy: rawpixel

New Updates
Just as your smartphone and laptops need routine upgrades and updates, CC technology is constantly being made better and safer. This means that older cards must be phased out and putting an expiration date on a card ensures everyone gets a routine refresh and the necessary upgrade.

Wear And Tear

point 2
Photo Courtesy: rawpixel

Regularly pulling out your credit card from tight wallet slots and swiping your credit card means that your credit card suffers wear and tear over time. Depending on how much you use it, it can sometimes even break. But while the face of the card is less likely to suffer as much wear and tear, the sensitive magnetic strip which gets scratched and nicked can stop working properly. An expiration date means that you periodically get a fresh card and have a smooth, uninterrupted banking experience.

Branding Communication
Ever so often banks can make significant changes that need to be communicated to their customers. This could include anything from additional services to a change in how they brand themselves. While the former might not merit a new card, a change in the brand’s visuals and communication will mean you get a fresh card with the new logo etc.

While not all of these will apply to your banking or CC needs, rest all these measures are in place to ensure you have a seamless banking experience.

To know more, click here.

This content has been created in association with YONO SBI

(Get detailed and live results of each and every seat in the Lok Sabha elections and state Assembly elections in Andhra Pradesh, Odisha, Arunachal Pradesh and Sikkim to know which candidate/party is leading or trailing and to know who has won and who has lost and by what margin. Our one-of-its-kind Election Analytics Centre lets you don a psephologist’s hat and turn into an election expert. Know interesting facts and trivia about the elections and see our informative graphics. Elections = News18)
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