Welcome to WebmasterWorld Guest from 54.166.77.32

Forum Moderators: buckworks

Message Too Old, No Replies

How many years is a credit card valid?

...from the date you receive it.

     
8:01 am on Oct 1, 2006 (gmt 0)

Preferred Member

10+ Year Member

joined:Aug 20, 2004
posts:615
votes: 0


Hello All -

I'm using a basic list of years (2006, 2007, etc.) for a credit card expiration select list. It's been so long since I've had a credit card that I don't remember exactly how long they're valid from the date of issuance. I think 3 years, but I'm not sure.

The site I'm building this for accepts Visa, MC, AMEX and JCB - years of expiration are probably different for one or more of these cards.

Can anyone give me a heads up on which of these four cards has the longest "active" lifespan? Like if JBC is good for 5 years (for example) then I'll build out this list 2006, 2007 ... 2010.

Thanks to all in advance.

Neophyte

10:28 am on Oct 1, 2006 (gmt 0)

Senior Member

WebmasterWorld Senior Member quadrille is a WebmasterWorld Top Contributor of All Time 10+ Year Member

joined:Feb 22, 2002
posts:3455
votes: 0


It varies from person to person and bank to bank.

Most sites assume a max of around 10 years; I've never seen one that long, but if the banks trust the guy that much, I want his business ;)

10:47 am on Oct 1, 2006 (gmt 0)

Senior Member

WebmasterWorld Senior Member essex_boy is a WebmasterWorld Top Contributor of All Time 10+ Year Member

joined:May 19, 2003
posts:3185
votes: 4


just received a new one yesterday and the dates are 09/06 - 09/09 so three years.
12:00 pm on Oct 1, 2006 (gmt 0)

Preferred Member

10+ Year Member

joined:June 15, 2006
posts:500
votes: 0


If you have to ask this question, why are you building a site to hold credit card details ,,,,

Generally, unless you're a really big, heavily insured corporate, you should be looking at credit card payment processors who handle all the credit card transactions on your behalf

If you want to handle credit card payments yourself, you would also have to qualify for the security and other operational and trust certifications all the credit cards you've mentioned require

12:42 pm on Oct 1, 2006 (gmt 0)

Full Member

10+ Year Member

joined:May 14, 2001
posts:262
votes: 0


Credit cards have different lengths of expiration.

Why not build it out for 10-12 years? It won't do any harm and I'm sure you are putting current year at the top so they don't have to scroll down much, right?

2:42 pm on Oct 1, 2006 (gmt 0)

Senior Member

WebmasterWorld Senior Member 10+ Year Member

joined:Feb 28, 2004
posts: 1786
votes: 0


As the others have said - it depends on the issuing bank, but if you just build the dropdown to make it eight or ten years out, you should be fine.

The other option, is not let them enter the information and then your change it if necessary

-Corey

10:52 pm on Oct 1, 2006 (gmt 0)

Preferred Member

10+ Year Member

joined:Aug 20, 2004
posts:615
votes: 0


Thank you all for weighing in on this topic. I guess I'll choose the 10-year option: that should cover most bases.

>>why are you building a site to hold credit card details<<

I'm validating the essential information (cc number, cc exp date) before sending it on to the CC payment gateway.

Neophyte

11:02 pm on Oct 1, 2006 (gmt 0)

Preferred Member

10+ Year Member

joined:June 15, 2006
posts:500
votes: 0


I have yet to see any gateways that demand validation , it usually optional.

Each person to their own, but most people are reluctant to input CC details to unknown websites,

anyway, that what I see with customers

cya

7:27 am on Oct 2, 2006 (gmt 0)

Full Member

10+ Year Member

joined:Feb 21, 2006
posts:242
votes: 0


I think all ecommerce sites require that the customer input, at the very least, a credit card number and the expiration date before the order is sent to the payment gateway.
I recently had to update our expiration list for the same reason as the OP. A customer wrote to us that his expiration year was not available in our pull down menu on the order page.
5:58 pm on Oct 3, 2006 (gmt 0)

Moderator from US 

WebmasterWorld Administrator lifeinasia is a WebmasterWorld Top Contributor of All Time 10+ Year Member Top Contributors Of The Month

joined:Dec 10, 2005
posts:5652
votes: 71


Use the system date on your server and dynamically go out at least 10 years. I have cards in my wallet that are valid through 2010.

Using your system date and dynamically adding for the max year means you don't have to go update your code manually every few years.

9:41 pm on Oct 4, 2006 (gmt 0)

New User

joined:July 14, 2005
posts:11
votes: 0


All of my credit cards (all VISA) expire 4 years later. But my new VISA debit card which I just got in last week doesn't expire until 2016. I dunno why they put a 10 year limit on these things. After 2 months of heavy use the magnetic strip on the back of my cards go bad and I just have to get a new card with a new number.

[edited by: OvertureUser at 9:42 pm (utc) on Oct. 4, 2006]

 

Join The Conversation

Moderators and Top Contributors

Hot Threads This Week

Featured Threads

Free SEO Tools

Hire Expert Members