Have you ever thought about what to do with your expired credit card? People often don't know and don't even think much about what to do when this situation comes. 

In fact, the expiration date of the card is seen as one more piece of data that the product has and that we need to use to make online purchases.

But, what actually happens when that expiration date comes to an end? Can we continue using the card? Does the bank send a new model? And the old one, what to do with it?

If you have these questions, stay with us a little longer as in this article we will explain more about how the card expiration process works.

In summary, the expiration date of a credit card indicates until what period the person can use it to make purchases with the credit or debit function.

This information is added to cards so users can always use the newest version of a credit card. After all, every year there are changes in the credit system that affect the functionality of the cards.

A very clear example of this is the approach payment functionality. Nowadays, anyone who requests a credit card can already have it with this function. But just 5 years ago, banks issued cards without this technology.

This means that the person who issued the card a few years ago can no longer rely on this functionality and others that have emerged over time.

Therefore, by adding the expiration date, it is possible that the consumer will have the chance to use the most up-to-date version of a credit card.

Now that you've understood why credit cards are valid, it's time to find out what actually happens in practice when the expiration date arrives.

At first, even before the expiration date arrives, banks can contact you to let you know that the date is close and that you need to request a duplicate of your card.

To do this, you can access your bank's service channels to request a new version of your credit card. Like the previous one, this new card will also have another expiration date.

Namely, when your card reaches its expiration date, it is no longer possible to use it to make any purchases. And that goes for both physical purchases and online purchases.

That way, if your card passes its expiration date and you try to use it, your purchase can simply be canceled and you will need to use another payment method to complete it.

Therefore, it is important to pay attention to the expiration date of your card and even mark it in your calendar so you never forget it. Cards usually expire on the last day of the month. 

Therefore, if your card is valid for August 2022, this means that you will only be able to use it until August 31, 2022.

But, anyway, it is very likely that your bank will contact you before the date arrives to remind you that the card can no longer be used.

First of all, it is important to note that some banks, in addition to reminding you of the expiration date, speed up the process and send you a new card for you to use.

But, for this process to work, your address must be up to date with the bank or financial institution, and someone over 18 years old must be able to receive the credit card.

However, if the bank does not send the duplicate of the card, you can contact it through its official channels and request the issuance of the duplicate of your credit card.

Here it is important to pay attention to this operation and check whether there will be a shipping fee, interest or any fine before requesting. Thus, you can already arrange to pay this amount.

After making the request and receiving the duplicate, it is important that you know how to dispose of your expired credit card. For this, it is important to emphasize that the form of disposal will depend on the type of card.

Therefore, if the card has a chip, you must cut it into several parts, including the chip part, in order to safely dispose of it.

On the other hand, if your card has a magnetic stripe, which is an older model of card, you'll need to scratch it until the stripe disappears before discarding it.

Now that you know how to dispose of your card, what do you think of knowing more credit card options to purchase?

Sometimes, when your card expires, you may want to buy another one with more interesting features.

With that in mind, in the following post we separate some store credit card options that may have more attractive conditions for you, in addition to offering discounts on purchases!