信用卡有效期的最长年份 [英] Maximum Year in Expiry Date of Credit Card

问题描述

就信用卡而言，各种在线服务对于最长有效期的价值有所不同.

例如:

• 大本营:+15年(2025年)
• 亚马逊:+20年(2030年)
• Paypal:+19年(2029年)

这里的合理最大值是多少?有任何官方指南吗?

解决方案

目前尚无官方准则，因为信用卡发行人可以选择何时发行的信用卡都将失效.实际上，他们发行卡的时间越来越长.如果您想确定将来应该走多远，您应该考虑有效期，为了安全起见，请给您的客户很多年的选择时间.这样一来，您将来就可以证明自己的应用程序.

仅供参考，许多信用卡发行商在确定是否批准购买信用卡时不使用到期日期.因此，如果您担心提供的日期不正确，处理器将最终对交易是否获得批准拥有最终决定权，因此我不必担心.

2017年7月:一名最终用户所持卡的有效期从现在开始将近50年.

Various online services have different values for maximum year of expiry, when it comes to Credit Cards.

For instance:

• Basecamp: +15 years (2025)
• Amazon: +20 years (2030)
• Paypal: +19 years (2029)

What is the reasonable maximum here? Are there any official guidelines?

解决方案

There is no official guideline as the credit card issuers can choose each when the cards they issue will expire. In fact they have been issuing cards for longer and longer periods of time. If you're trying to determine how far out into the future you should accommodate expiration dates for, err on the safe side and give your customers many years to choose from. That way you future proof your application.

FYI, many credit card issuers do not use the expiration date when determining whether or not to approve a credit card purchase. So if you're worried about an incorrect date being provided the processor will ultimately have the final say on whether the transaction is approved or not so I wouldn't worry about it.

July 2017: Just had an end user with a card that expired almost 50 years from now.

这篇关于信用卡有效期的最长年份的文章就介绍到这了，希望我们推荐的答案对大家有所帮助，也希望大家多多支持IT屋！