There are many different reasons why credit cards expire. One of the reasons why they have and expiration date on them is because of fraud protection. That way there if you loose your credit card when it is close to the expiration date the one that finds it will not be able to receive a new card without knowing all of the security questions that the companies ask you when you are requesting a new card.


Another reason the credit cards have an expiration date is because the magnetic strip on the back of the credit cards does go bad after a certain amount of time. That is the main reason why they have an expiration date on the credit cards. Some people think that the expiration date is placed on the credit card because the plastic goes bad. That is not the case because plastic does not go bad the magnetic strip is the one item on the credit card that does go bad after time.


The reason for an expiration date on the credit cards will differ with all of the credit card companies because they all have different reasons. Some will say that when the card expires it is another security feature that they have in place for their customers. Some say that with all the electronic transactions that are being done there is no need for an expiration date. There are many reasons why some credit card companies will say that there is no need for the expiration date on a credit card, but they all have a credit card expiration date placed on it so that you are going to receive a new card every two to four years. The amount of time on a credit card will all depend on the company that you have your credit card thru.


However, you probably feel better about having an expiration date placed on your credit cards so that no one is able to take your credit card that is expired and use it on anything that they may want. So when all of your old credit card is about to expire it is a good idea for you to cut up the old credit card so that there is no way for some one to get a hold of and steal your identity. That is always a good reason to make sure that you are destroying all of the old credit cards that have expired and even the ones that you are not using any more.


Rachel Nava recommends Find Credit Cards for comparing different First Premier credit cards.

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    The popularity of student credit cards has never been higher than in this, the age of the plastic generation. For students, whether new users or old pros, a credit card can be a blessing or a curse. However, good credit sense and a little knowledge on how to find the best card for you go a long way in ensuring that students do not get cards that are too expensive for their purposes.


    A student credit card is a card designed especially for students, that is, high school and college/university attendees. These cards are like any other credit card except that they tend to have more restrictions than regular credit cards. Some of these cards have to be co-signed by an authorizing adult, normally a parent or guardian.


    As with most credit cards, comparing student's credit cards encompasses looking at some key features of the card. Selecting a card after looking at these components will then depend on why you need a credit card.


    Student credit cards generally tend to attract a higher rate of interest, APR (Annual Percentage Rate), because students do not have credit ratings and the banks need to cover themselves against losses. As such, this is the main feature to use when comparing student's credit cards. Therefore, which card has the best APR rates is oftentimes going to be the determining factor. Look for cards with 0 APR introductory APR for starters.


    These cards also have lower credit limits in general. If maximizing available credit is the main aim of getting a student's credit card, then cards must be compared based on how much credit is given.


    Rewards – which student does not like getting a prize, something for free that they can actually use. Comparing rewards that can be redeemed for cash, gift certificates and travel miles are very useful to students.


    Lastly, since students are creating a credit history, look for cards that can help you do that by sending your credit information to various credit agencies.



    To compare student credit cards, Eric Wasselman recommends Find Credit Cards.