Physical card doesn’t seem to expire. In Korea at the minute and they read the Magstripe on self-service kiosks.
My expiry date was… 2098.
Think the expiry is just the details in the app
Really not sure though, honestly. The payment went through and the details are stored on the card so I can’t imagine it’s incorrect?
I definitely do want a new card because I use mine all the time and it’s peeling all around the edges.
My physical card has a 4/26 expiry, in app says 1/27.
You can find the physical card details using an NFC reader app.
Presumably the expiry date as understood by the chip is dynamic, wheras the one on the magstripe is obviously not.
Why would the chip have a dynamic expiry? In theory the mag strip could be dynamic too as I think (not sure) that retail and ATMs write to it.
Yes, because it says they’ll send you one if you’ve spent from the account i.e. wallet payments and online ones will count.
So they can skip the cost of producing a new card.
They definitely can’t or at the very least don’t. Dynamic card features was very much a chip & PIN innovation.
Can’t really see that being a runner as, apart from the metal ones, the cards just aren’t sturdy enough to last much more than five years. I’ve ‘five year’ cards that have barely made it into the second year.
Then you can report them as damaged and they’ll send you a new one, just the same as if the card died ‘mid-life’.
I don’t know that Chase do this, btw, but that would be the flow. Or I guess they might ask you whether you want/need a new one, and if not just dynamically update the old one.
The EMV specifications are updated every few years so I assume that the chips need upgrading rather than just a software update.
I was thinking that too. The initial chips were chunky things, but got smaller several years later.
That’s true, and obviously from time-to-time there are innovations like contactless. When you say ‘every few years’, when were the last few? I have cards which were issued in 2018 which are still valid for another year and had a 2017 one expire a few weeks ago, so clearly they can be more long-lived than 5 years.
Could be quite a while back. Contactless arrived in the UK at the end of 2007 so gen 1 would take that to 2012. I’m thinking that the smaller chips might have been around from then so two lots of five year cards.
That said, chip cards came out before 2007 in the UK but as chip & PIN or chip & signature. I was in France at the time and a number of places were so confused that they stopped taking cards altogether as they didn’t know whether to swipe or insert and what to do when they did either. Zero instructions from the bank.
The French cards / readers weren’t initially EMV compliant with an incompatible domestic system (CB)
Indeed. That confused everyone even more. You had French cards which were always insert, but then you had a whole new range of foreign ones with magstripe only, chip and PIN, chip and signature and, bizarrely, decorative (i.e. non working) chip. All the foreign ones were EMV, but it took quite a while before the shops could accept them.
And, to get us back on topic, we now have numberless cards like Chase which some places can’t cope with, notably train ticket collection and the toll going to Dublin.
Me too. Comms seem perfectly clear.
Mine went to Spam.
DMARC issues
There’s nothing wrong with Chase’s SPF, DKIM or DMARC.
