The validity of a Credit Card is something you may wonder about. Why does it exist? What purpose does it serve? Before you find out why its expiry date is important, remember that knowing when it expires is key to using it for all transactions seamlessly. After all, you can use your card only until its validity period.
Whenever you apply for a Credit Card, you should check whether the validity period is embossed on it at the front or back. You can conveniently check the validity of the card using these methods:
- Physical card
Your Credit Card’s expiration date is embossed on your physical card. This four-digit number appears on the top side of the card and is typically seen in the month-and-year format. The first two digits are the month, and the next two digits are the year. For instance, if the expiry date is mentioned as 04/26 on your card, it means that it is valid until April 2026. Ensure you apply for a renewal in March 2026.
- Customer care
Another way to check your Credit Card validity is to contact the bank’s customer care representative. Banks have dedicated teams to provide support for all card queries. You can find the contact information on their official website. Talk to the representative to find out the expiration date of your card.
- Online Banking
While Digital Banking is at the forefront of innovation, you can perform all kinds of banking tasks through this medium. You can confirm and check your Credit Card eligibility and expiration date using your Online Banking Account. You need to log in to your account and navigate to the Credit Card section.
Click on the card to see its details, including its validity. This process may also include additional verification steps before you can access your card details.
- Mobile apps
Using the bank’s mobile app is another quick way to apply for a Credit Card and check its eligibility. Install and launch the app and log in using your credentials to find the required information.
Importance of Credit Card validity
Apart from providing validity, the four-digit number adds a security layer to safeguard your finances. While transacting online, it is a common practice to enter the expiration date and the CVV number for verification. Even if scammers have your Credit Card number, they still need the expiration date and CVV to complete the transaction.
Your Credit Cards are regularly incorporated with new security and accessibility features. Their expiration and renewal ensure that you have the latest version.
Conclusion
Credit Card validation systems enable you to manage your finances and remain carefree by setting regular reminders on your smartphone about the card’s expiry. Banks and issuers usually automatically renew cards and send them to your residential address, enhancing customer loyalty and building trust.
