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I think credit cards have an expiration date because it gives them a contractual âoutâ by saying a contract was only for a stated period and not an open-ended contract. The magnetic strip is a bunch of hogwash. The credit card companies do not want to send out millions of cards just because they might wear out.
Expire is not really the right term; but effectively yes. In general a cheque older than six months will be considered stale-dated and will not be honoured. Reference the Canadian Payments Association FAQ.