Sure, it says so on your card, but you could continue using it after the expiration date. The expiration date on your card does fulfill a couple of purposes though. First, it estimates the lifetime of your physical card and gives your credit card issuer a date to send you a new one. Second, it is used for online and over-the-phone purchases when the merchant is unable to see your card. The expiration date allows the merchant to confirm you are the owner of the card and have it in your possession.

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