A credit card in which the printed or encoded expiration date has been passed.  When a credit card company issues a bank credit card or debit card to a consumer it has an embossed, encoded, or printed 15 or 16 digit account credit card number and a date in which that card will expire and a new credit card must be issued.  Once this expiration date has passed the credit card or debit card is no longer valid, will not go through credit card processing and will not be accepted by the credit card merchant.

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