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Featured Replies

What a pain in the ass.

I mean, I suppose maybe the expiration made at least some sense when the cards were used manually to make an impression if the embossed numbers.

At this point, though, why? If the card is no longer valid, decline the charge. As far as I can tell, this info isn’t even validated so I can tell them the expiration is whatever date I feel like using, anyway. 

I guess one upside is that forgotten subscriptions or whatever can’t go on forever in zombie mode, but that seems like a pretty niche case  

What am I missing?

Good question.  I think it's just an additional verification feature at this point.  But hyperbole aside, every single credit/debit card we have never makes it to expiration.  Either it's invalidated due to online fraud or the cheap thing gives out.  

Perhaps the expiration date thing will make a comeback just like branch banking.  Oh, wait...

  • Author
9 minutes ago, YGIFS said:

Good question.  I think it's just an additional verification feature at this point.  But hyperbole aside, every single credit/debit card we have never makes it to expiration.  Either it's invalidated due to online fraud or the cheap thing gives out.  

Perhaps the expiration date thing will make a comeback just like branch banking.  Oh, wait...

I was thinking that was a possibility, but I can use whatever future expiration date I want and everything still works. 

It’s not like it’s particularly onerous, but all my bills are on autopay and the only thing that can screw them up that would be on me is not to update the expiration date. 

Yeah, I've noticed that online...even if you mistype it...it still pushes through so long as the 3 or 4 digit security code plays ("it's an older code my lord, but it checks out").  

But on the rare occasion you call it in, it has to be on the dot or they call you out.  Weird now that I think about it.  

  • Author

Fair. Seems like if you have the code you’d have the date, but I don’t know what all is stored in the case of data breaches. 

 

I figure it's like food expiration date.  They don't really care about the date until things obviously past expiration in which case they question the action.  It sets a don't care until we do point where they need you to check in with them - get a new card, tell use where to send it, etc.

There are account updater services from Visa, MasterCard merchants subscribe to that will update your card on file. So if your card expires or if you lose it and have to get a new card stuff that you have on auto pay shouldn't stop. 

fun fact-99% of americans and 90% of american banks don't know if the expiration date of 04/24 means the card will expire on the 1st of April or the 30th of April.  Don't believe me, just fucking watch,  

22 hours ago, NeverMarryAStripper said:

90% of Americans probably don't know that 04/24 is April 2024

That's why I sell 90% of Americans on my credit card line called "24/04"      Sure it means, in almost the entirety of the rest of the world, the 24th day of April.  But to our customers, it means their card won't expire until the 24th day of 3004.  We offer a longer-lasting product at no additional cost.  Please send your personal information and we'll get you a new card, stat . 

12 minutes ago, Pato del Muerto said:

I think most of the world would use 24APR

Yeah, but 99% of the world has no clue what an EDge is so fuck them.

  • Author
1 hour ago, Pato del Muerto said:

I think most of the world would use 24APR

No country that’s put men on the moon would use that. 

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