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After a certain amount of time, your credit card company will send you out a new card. Whether you're using the card in person, over the phone or online, the expiration date provides an additional data point that can be checked to make sure the card information is valid and you are the legitimate user.Other reasons for expiration dates include opportunities for marketing and a plateau from which the terms of the credit card can be re-evaluated based on credit worthiness.They can help repair a credit rating that might have been damaged by things like late or skipped payments, County Court Judgements, or a declaration of bankruptcy.This is down to the fact that you are successfully paying off a manageable credit card debt every month, which is noted on your credit file.
Many credit card companies send out a notification and a new credit card in the month leading up to the expiration date on your existing credit card.
They work by pre-loading money on to the card – a bit like topping up a pay-as-you-go mobile phone.
Because you’re unable to spend more than you have loaded on the card, prepaid cards can be a valuable aid to budgeting, helping to limit the chances of getting into debt.
While these cards may prove easier to gain acceptance for than standard credit cards, it’s still worth checking your credit file before applying for one.
Checking your credit file enables you to see all the information providers will see about your financial history when they consider your application, and to rectify any mistakes, such as a basic errors relating to your address or bank details.
It’s almost impossible without some form of credit history assessment – find out more about credit checks and why they matter While some credit cards are easier to be accepted for if you have a bad credit score or poor credit rating than others, there are currently no cards on the market you can get approval for without having a credit check.