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Chase Credit Card Expiring? Here’s What To Do

Chase Credit Card Expiring? Here’s What To Do

Each credit card comes with an expiry date, and a Chase credit card is no different. Expiry dates on a credit card are usually found on the front or at the back of the credit card. Credit cards are generally valid for three or four years before reaching their expiry date. But what happens if your Chase Credit Card is expiring?

When your Chase credit card expires, you will no longer be able to use it. Chase will issue you a new credit card to replace the expired one. In most cases, you’ll automatically be sent a new card, but it’s best to contact Chase to ensure your new credit card is fully functional before using it. 

Expiration dates on credit cards are there to protect you against fraud. Getting a new card, updating your information, and ensuring it is activated can be a bit tiresome, but it’s in your best interest to get a new credit card once yours has expired.

What To Do If Your Chase Credit Card Is Expiring?

According to Chase, if your credit card is about to expire and your account is in good standing, Chase will automatically send you a new card. The new card is sentduring the month your existing card will expire. 

If you do not automatically receive a new Chase credit card, you should contact the number listed on your credit card statement.

Why Does A Chase Credit Card Expire?

Credit cards like the Chase credit card expire for three main reasons, which include protecting consumers from fraud, re-issuing of a new card due to wear and tear, and because of new credit card technology. In addition, credit card companies may also have expiration dates for marketing and rebranding.

  1. Protecting consumers against fraud. When making purchases online, you’ll usually enter your credit card information, including your credit card’s expiration date. These details are requested when making a purchase to protect consumers against fraud.

Having an expiration date on the card keeps your information secure and prevents someone from using outdated information when trying to make a fraudulent purchase with your credit card.

  1. Wear and tear on an existing credit card. After months and years of use, a credit card is prone to wear and tear. The chip may stop working as well as the magnetic strip, which can cause issues when using the card for in-store purchases.
  2. New credit card technology implementation. Technological advancements allow new technology to be used in credit cards, and when your current credit card expires, a new card is issued with the latest technology.
  3. Marketing and rebranding opportunities. Credit card companies may decide to rebrand or implement a more modern look to their credit cards. Having an expiry date on the credit card makes it easier to implement these changes.

What To Do With An Expired Chase Credit Card?

When your new Chase credit card arrives, you’ll likely get a set of instructions that you’ll need to follow to activate your card. Once your new Chase credit card is activated, you should cut up the old card before throwing it away.

Cutting up your old card is a safety measure to ensure no one steals or has access to your credit card information. You may also need to update your payment information with your new card information and delete your old credit card information.

What Happens If You Use An Expired Chase Credit Card?

If you use an expired Chase credit card, your transaction will be declined. Chase automatically sends you a new credit card during the month of your card expiring. This card replaces the old card, so there is no reason to continue to use the old card.

Final Thoughts

All credit cards eventually expire. Luckily Chase automatically sends you a new credit card before your existing credit card expires. Once you have your new credit card, you can dispose of your old Chase credit card and start using the new one.