What is an expired credit card?

An expired credit card is exactly that – expired. Or, as the dictionary says, “ceases to be valid.” Even though the account number on the new card is the same as the one on the old card, charges to an expired card likely will get declined. Credit card expiration dates and CVV numbers serve as additional data points and security checkmarks.

Do credit cards work after their expiration date?

Typically, credit cards don’t work after their expiration date. Just keep in mind that even if your physical card has expired and you haven’t activated your new card, your credit card account is still active. An expired or inactive card won’t affect your balance, so you’re still required to make the minimum payments.

What should I do if my credit card expires?

Make sure to get rid of the card for good. Remember: The card number on the old and new cards is the same. Someone who finds your expired card could get access to a crucial piece of information about your account. Activating your card allows you to use it. The new card will come with a sticker that has activation instructions.