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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.
The typical card lasts three years. A primary reason for the expiration date is to confirm the purchaser has the card. You can use a credit card during the month it expires. For example, if a card expires in January of a particular year, you can typically make purchases through the last day of the month. Additional Expiration Details. Actually, you can sometimes get by with making purchases after the expiration date.