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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.
For example most checks are good for 90 or 120 days. If I have a cashier's check and don't see an expiration date on it, does it mean I can cash it even 5 years in the future?est Answer: Technically NO checks expire unless they state ON THE FACE of the check that they expire on X date, or Y days after issued. However, banks are NOT required to honor 'stale' checks, and US banks almost universally consider checks stale after 6 months.