Debit card due to expire

20122013

One of my debit card's expiry date is 12/25.

From my experience a 'new card' would be posted to me (automatically, ie I do not need to any actions) and until 12/25 or I activate the 'new card' , the current card will still be active and I can still login to the bank using this card? Is this correctt? and is this how all banks (UK) work? Expiry date is 12/25 - is this any date in December 2025?

Flugelhorn

I think it is usable until the end of December or until you use the new card sooner. I think if you use the new card then the old one stops being active

pmduk

It will be the end of 12/25. Nobody can confidently predict what every financial institution will do, some of them seem as though they make things up as they go along, but why not ask?

This is another reason why you never leave everything in one bank, if one's bank's admin is rubbish, you're not left high and dry.

flaneurs_lobster

*** CORRECTION ***
Just for added confusion, some bank's (well, at least Chase) debit cards do not show the expiry date/number on the card, so when the card expires the expiry date and card number are "renewed" (and can be viewed in the app) but there's no need to replace the physical card.

The card does get replaced, I've misremembered how Chase deal with a card that hasn't been used in the months before expiry.

surreysaver

flaneurs_lobster said:

Just for added confusion, some bank's (well, at least Chase) debit cards do not show the expiry date/number on the card, so when the card expires the expiry date and card number are "renewed" (and can be viewed in the app) but there's no need to replace the physical card.

My Chase card needed a new physical card. It was only when it started getting declined and I messaged them and told me that card had expired.
I asked them how I was supposed to know when its expiry date is not printed on the card and they couldn't answer 

SiliconChip

surreysaver said:

flaneurs_lobster said:

Just for added confusion, some bank's (well, at least Chase) debit cards do not show the expiry date/number on the card, so when the card expires the expiry date and card number are "renewed" (and can be viewed in the app) but there's no need to replace the physical card.

My Chase card needed a new physical card. It was only when it started getting declined and I messaged them and told me that card had expired.
I asked them how I was supposed to know when its expiry date is not printed on the card and they couldn't answer 

I'm a bit surprised they couldn't answer when the easy response is to say that you must have the app and the expiry date is shown there. If you only ever use the card for cardholder present transactions you might not have viewed the card details but if you ever used it for an online purchase you'd have needed the expiry date then.

EnPointe

20122013 said:

One of my debit card's expiry date is 12/25.

From my experience a 'new card' would be posted to me (automatically, ie I do not need to any actions) and until 12/25 or I activate the 'new card' , the current card will still be active and I can still login to the bank using this card? Is this correctt? and is this how all banks (UK) work? Expiry date is 12/25 - is this any date in December 2025?

unless and  until you activate your new card  OR  we reach 31/12/25  you can continue to use the old card 

hpas251

I was sent a new card by M&S in early 2008 well before the old one was due to expire. I believed the two cards would run side by side until the old one expired. This was not true. As soon as I activated the new card, this deactivated the old one, resulting in recurring payments being rejected.

Also, in the summer of 2011 Nationwide did not send a new card automatically on the expiry of the old one, as I hadn't used it often enough and I had to request a new one myself in-branch.

flaneurs_lobster

hpas251 said:

I was sent a new card by M&S in early 2008 well before the old one was due to expire. I believed the two cards would run side by side until the old one expired. This was not true. As soon as I activated the new card, this deactivated the old one, resulting in recurring payments being rejected.

Also, in the summer of 2011 Nationwide did not send a new card automatically on the expiry of the old one, as I hadn't used it often enough and I had to request a new one myself in-branch.

Your memory (or perhaps your record-keeping) does you credit. Yes this is still the usual procedure with cards.

Use of new card deactivates the old card.

Non-use of old card will postpone issue of new card until requested (but not the expiry of the old card). 

eskbanker

hpas251 said:

I was sent a new card by M&S in early 2008 well before the old one was due to expire. I believed the two cards would run side by side until the old one expired. This was not true. As soon as I activated the new card, this deactivated the old one, resulting in recurring payments being rejected.

My understanding is that recurring payments should continue after issue of a new debit card, without any customer or bank action being needed, but it's possible that the relevant card updater services weren't in place nearly 18 years ago....

wiseonesomeofthetime

SiliconChip said:

surreysaver said:

flaneurs_lobster said:

Just for added confusion, some bank's (well, at least Chase) debit cards do not show the expiry date/number on the card, so when the card expires the expiry date and card number are "renewed" (and can be viewed in the app) but there's no need to replace the physical card.

My Chase card needed a new physical card. It was only when it started getting declined and I messaged them and told me that card had expired.
I asked them how I was supposed to know when its expiry date is not printed on the card and they couldn't answer 

I'm a bit surprised they couldn't answer when the easy response is to say that you must have the app and the expiry date is shown there. If you only ever use the card for cardholder present transactions you might not have viewed the card details but if you ever used it for an online purchase you'd have needed the expiry date then.

Nope. They're two different numbers, to my knowledge.