The Effective Date is the information showing the date until which a card can be actively used. It can be translated as the expiration date. The Effective Date is a mandatory field printed on the card and used in transactions. For the security of cards, it is mandatory for every card to have an expiration date, a date set by the banks, printed on it. When the expiration date passes, that card becomes inactive and can no longer be used online or physically at ATMs and POS terminals. In short, a credit card's expiration date is the last date on which the card can be used. The card must be renewed before the expiration date arrives.
Where is the credit card expiration date located?
The expiration date is usually printed on the front of the card. Some banks write this date in English as \"valid.\" The expiration date generally consists of 4 digits, such as 12/26. As an example of a credit card's expiration date, a card showing 06/26 can be said to expire on the last day of the 6th month of 2026.
What should be done with cards whose expiration date has passed?
When a credit card's expiration date passes, the customer service department of the bank that issued the card should be called to request a renewal. Customer representatives will immediately submit a renewal request for your expired card and arrange for it to be sent to your address within a short period.
Under normal circumstances, banks send out a new card with a new expiration date one or two months before the credit card's expiration date arrives. Until the first transaction is made with the newly issued card, banks allow authorization with the old card as long as it has not yet expired. The moment the first transaction is made with the new card, authorization can no longer be obtained with the old card.
