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Expired Debit Card still good?

9:50 pm on Apr 30, 2006 (gmt 0)

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Had a debit card on record with an online business that expired on 03/06. I have activated my new card with the new expiration date and used it.

The online business was still able to withdraw funds from my account without me giving them the new expiration date.

Do business not have to use the expiration date when requesting funds from the bank?

10:13 pm on Apr 30, 2006 (gmt 0)

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I've noticed the same thing on occasion. Some companies will still be able to process charges, but others will make you update your info. I assumed that they guessed the new expiry date by adding a year, or two or three. But I really don't know.
4:08 pm on May 1, 2006 (gmt 0)

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I'm the CTO of a virtual credit-card company, and so I should really know, but let me guess instead... B^>

The individual banks' machines attached to (say) VISANet for a VISA debit card seem to be able opt to make some information available and/or opt to check/not some information when a debit/auth request is presented to them.

For example, not all banks' systems check the CVV (the 3-digit number on the back of your card) even if the merchant collected it from the user and presented it to the card issuer. I know, because as a test I deliberately fed through our system a bad CVV (for my own card with another provider) and the the issuer of my card accepted the transaction! (In this case the transaction was entirely genuine, but if it had not been then the card issuer should be liable for any losses.) We had had problems with this other bank and we needed to see where the fault lay...

Thus expiry dates may well be treated the same, especially if there is no separate issue number on the card...



6:22 pm on May 1, 2006 (gmt 0)

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If the card serial number remained the same then all your renewing did was provide verification with your bank that you wanted it to remain active. It has nothing to do with the vendor. It is different than credit cards.
6:37 pm on May 14, 2006 (gmt 0)

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i think it all depends on ther merchant and the bank used. some systems are more strict security wise than others.
5:06 pm on May 16, 2006 (gmt 0)

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Technically debit cards, don't expire... the ones that have experations are typically check cards, for instance my card expired last month, but I can still use it as a debit card, just not for credit anymore.