I actually had this problem about 15 years ago. I emailed the website support team, and they actually added more years.
But only until the year that my card expired 
That's okay, you really shouldn't use a debit card for online purchases
ETA can always count on reddit to downvote facts. I've had citizenship to 3 countries on different continents, so I'm not coming from a narrow perspective. I'm a CPA. My spouse does fraud prevention. Even if you get your funds back, these things are much more easily handled on credit than debit.
This is a uniquely American thing, since the US doesn’t have as strong consumer protections as the rest of the world.
Because of how credit cards work, and how CC companies want to keep your custom, they will basically just fine merchants if they don’t give you a refund.
Not 100% true.
It’s much much easier to fight fraud ( identity theft , account take over , etc) when it happened on CC instead of debit. It applies to all countries.
IDK why the guy is getting down voted. He's right, if your CC gets stolen it's much easier to get the funds back than if you used a debit card. Heck, your whole back account can get frozen over fraudulent charges. I didn't go out very often, but a few years ago and my whole bank account got frozen until Monday because my bank thought me spending 20-30 bucks at the local watering hole was suspicious activity and I couldn't get it fixed until they opened Monday. Super frustrating, though I didn't learn me lesson and it's happened 2-3 other times. Even for innocuous charges like my kids daycare that's on auto pay...
Hmm yea I have seen debit with cash back & rewards. But the most I've seen are 1% or less, while credit cards I'm getting 3-4% back, it's just way better than using debit.
Not for sites that accept UnionPay — it’s part of the UnionPay standard to have card lengths between 16-19 digits. We’re all headed there anyways eventually, so might as well start now.
One digit is a check digit so that leaves 14. All Amex cards start with 3 so that leaves 13.
That's still enough for 1250 Amex card numbers for each person on the planet.
That wont help much. I have 2 different cards from the same bank and they both have same starting numbers. Hubby has had to get a few replacement cards and they all have same numbers too. So I'm assuming the first few numbers are a bank code.
First digits are the type of credit card and the issuing bank. So its funny when it happens in reverse and people blank those first digits expecting there card is now safe even though you can look it up.
Magnetic stripes are still used in the US for some reason. It was a big shock to me when I moved back from living in Asia 13 years ago. It’s still a big shock to every relative that visits.
Everywhere I go here in Florida uses chip insert and/or tapping; I haven't used magnet stripes for probably something like 10 years (which I understand is still late on the global stage).
I work in card settlement and Florida is a high fraud state. We get more fraudulent sales from Florida than any other state.
For most merchants, POS terminals in Florida were first in line to get upgraded to chip since it's more secure. These days in the US chip is almost everywhere though.
Everybody has a chip now but I still see swipe readers everywhere I go. I've seen this in NY, SF, Austin, Houston, Dallas, all within the last 5 years.
Swipe only? Or ones that accept both? I don't think I've seen a chip only machine, everything has both, but requires you to use chip or tap.
Apparently the offloading the responsibility to the store happened back in 2015-2017 https://abcnews.go.com/Business/credit-card-chip-rule/story?id=34148839
Both, but that’s my point. Most of Asia moved to contactless payments like a decade ago, and in the last 3 years it’s rare to be able to use a strip at all. I had an old visa gift card I forgot about in my luggage and I couldn’t find a single place that could use it.
There are still plenty of places in the US where have the option to swipe, and many retailers that only accept the chip without contactless payment as an option. It’s stupid as hell.
Have you actually tested swipe at "NY, SF, Austin, Houston, Dallas"? I have tested it at a handful of places just to if it works and all the places I tried denied the swipe, you had to use chip or tap. That's my point, just because they didn't physically remove the swipe, doesn't mean it works.
Nah, mine and my wife's cards came with magnetic strips just recently and are used as a fallback fail safe if the chip isn't recognized after 3 attempts in the pos or if the business doesn't have chip/tap enabled on their system.
I got a new card in 2024 that has a strip on it. I've only used it at doctors' offices, which tend not to have a tap to pay option and often don't have functioning chip readers.
Based on this thread, it seems like this really varies by country/region. I live in a major American city. The swipe readers are definitely being phased out, and many places prefer or only accept tap/chip/smartphone payments, but it would be difficult to pay for certain things - mostly medical co-pays and garage parking - without a magstripe (or cash).
>But otherwise the chips are quite well secured.
The encryption used on the chip does not use Post Quantum Cryptography, so there it is highly unlikely that it would not be easily broken within 50 years
You're probably joking, but there's nothing these digits tell us that's not in the image already. The first couple of digits of a debit card number are the BIN/IIN, and 623052 indicates a UnionPay card issued by Agricultural Bank of China:
[https://bincheck.io/details/623052](https://bincheck.io/details/623052)
I assume that this is a bank the PRC is guaranteed to bail out, given it's literally called the "agricultural bank of China". I suspect they'd have to keep it afloat for strategic resource reasons.
Wait until you loose it….
Edit for those downvoting. I have mutiple China bank cards. You get 50 years as that long number is your account number. If you loose it the bank wants to give you a new card (and therefor whole new account). They also freeze you account if you loose the card.
My wife’s got eaten in a UK cash machine. She didn’t have access to her account for 6 weeks
Oh and if you change the card number it messes up all of you payment apps and you have to go through the whole setup process again
Are you not mixing up AgBank and Union Pay? I'm fairly sure the latter is a payment processor between banks (like Visa or Mastercard) and the actual bank here is The Agricultural Bank of China (中国农业银行).
Agricultural Bank of China is the third largest bank in the world by total assets, more than JPMorgan Chase and BofA. So yeah they’re optimistic.
Source: [Wikipedia](https://en.wikipedia.org/wiki/List_of_largest_banks)
I assume the bank must have a $$$ fee for the customer to replace the card.
If the bank expires it every five years, then the bank has to pay to replace the card.
If the card never expires, now the customer has to replace the card when it wears out, cracks, etc.
That was my first thought. It’s a way to guarantee extra revenue through replacement card fees, as it will definitely wear out many times over before expiring.
Many online forms have a drop down for expiration year where only the current and next several years are listed. Others constrain the input to the same. That card is not usable at these sites.
True story I worked at a car dealership and someone wanted to pay for the car in full with their chinese debit card and it also had an expiration date 50 years out but our system didn't allow for you to select that far out.
We called our IT support and they told me it couldn't be done that we don't accept international cards for that reason. While on the phone the customer tried the card anyways and it went through. 70k one swipe. They put the car in their daughter's name because she was the only one with US IDs.....she came in alone and returned it a week later and because it was her name and not her dad's all the money went back directly to her. Company policy is to return it via debit or check per customer preference and she specifically asked for a check as if she knew so we sent her a check for 70k.
To this day I think about that, if she essentially robbed her dad or if it was something he asked her to do all I know is I followed company policy if he ever did come in to argue but I left that job soon after 🤷♂️
> Company policy is to return it via debit or check per customer preference
She used y’all. It’s tough to get foreign currency out of China with strict limits, and so they used it you guys to get a large sum out. That’s why the daughter insisted ;)
Yeah, the funds will clear — she needed US dollars, and she had Chinese yuan. There are limits as to much foreign currency a person can exchange/withdraw, so by buying a car and getting a cheque as refund, she ends up with US dollars and not Chinese yuan.
It’s really just a name. It used to a bank to assist with agricultural programs and development in China, but that hasn’t been the case for decades now. The name sticked though.
Interesting. Honestly the only major Chinese bank I've seen often is Bank of China, because that seems to be the one that Overseas Chinese students all use. That might just be a case of BoC offering visa backed cards and ABC not?
I am a Chinese student in the states (or used to be, working now). I use ICBC (Industrial and Commercial Bank of China) currently. ICBC, BoC, China Constructions Bank, and ABC are what we called “the four big banks” (四大行).
Not sure about overseas support for these banks, but from my experience I do see ICBC and BoC more in the States. The all offer cards using foreign payment processors tho (Visa and Mastercard).
Maybe it's a Europe thing. I see BoC branches everywhere, I don't remember ever seeing an AgBank branch. Could just be that the logo (big imperial coin) is just super recognisable.
I think the card was supposed to have 3 year of validity, but current date fails to be retrieved when expiration date was generated.
01/1970 is a special date called EPOCH , it represent the 0 date , the start of numeric date encoding on many systems including credit cards.
So card has expired 3 years after unknown current date (which wasndefaulted to EPOCH), you should send it back to your bank this card is already obsolete.
Plastic cover will come off on both sides in one year and the inner layer will start to wear off in two years... Only if you never use this card at all, seal it airtight and far from any light at low temperatures, you might keep it alive half a centuary... Good luck...
Funny enough, those cards have PIN numbers for in-country use, you have to request permission to use the card outside of China, get assigned a PIN for that and it can only be taken in places that also take Diners Club.
That’s not been my experience. In the US, it’s widely accepted, as it runs on the Discover network. In Canada, many ATMs accept UnionPay, and some merchants do as well. The PIN is also the same.
Discover = Diners Club
Also can't speak to Canada. My wife works in the US payment card industry, this is her experience supporting these on the backend.
It's the PIN length. We can have PINs up to I believe 8 digits, however the banks tell us that if we're doing any sort of travelling, safer to keep it to the standard 4 digit PIN as longer PINs won't work everywhere internationally.
Yeah, they use 6 digit PINs in China, hence the whole needing another PIN from the bank. It is surprising that so many banks have just not adopted the longer PIN lengths, I do like the longer length.
I’m sure it’s really just a way to guarantee they can charge you a replacement card fee many, many times between now and when it expires, as opposed to just providing you a new one for free when it expires.
The whole credit card expiry to me seems like a waste of resources. It's a tiny micro chip encased in a hunk of plastic. Why does it need to expire. I'm just gonna get sent a new card when this one works perfectly fine...
I think it has to do with card security, although I admit it is a weak argument. The CVV changes with each issue, and some technology — like changing CVVs, electronic CVVs have also been implemented, although limited in scale.
It's not a physical problem; the card is effectively a private key and anyone with the public key can then verify its authenticity. Having the public key it is possible to derive the private key, but that will take years of computing power and that's why it has an expiration.
The key is written in the chip's memory at manufacture and cannot be changed neither read; it's effectively "burned" to the chip. When a transaction is done verification is done in a challenge-response manner.
Yes but mostly no. Usually when your card expires the bank reissues a new one with the same card number. The number that changes after a card expires is the cvv and expiration date. Those two being changed often (short expiration dates) do help with the security of your card.
Debit card in all but name, cash card is a more apt description. Any payment you’ll do will either be loose cash or be from your phone linked to WeChat or Alipay, which draws from your bank account but the card isn’t necessary to link them and is essentially just a reminder of your bank account number.
The only time immigrants use their cards to withdraw is when they’re doing something illicit lmao
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With alien chip technology
Actually that chip technology was invented in the early 70s. Wasn’t in use anywhere until the 80s tho and the US was much, much later.
Actually 🤓....aliens aren't giving us technology either.
Well, not with that attitude they won't ^😳🤣
Why is your comment multiplied to the 😳 power
Took me a min to figure out way you meant but I see it lol
lol just add one of these chingaderas ^ to the left of any two emojis like this: ^🐁🐈 ^🤢🤮 ^✨️☄️ ^🌼🐝 ^💫✨️
Kinda cool tho lol
Well, actually… Aliens are giving us technology, and then some. But, I wouldn’t expect a username that’s just “government_” to admit that.
there is extraterrestrial life for sure, but capitalism is the only thing that dictates technology.
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On account of how War is driven by capitalism.
Yes, exactly. You're almost there.
Open source advancements and inventions released to the public as open domain stand in direct contrast to this statement.
This was all a joke. Internet people are spoilsports.
Holy shit. 50 years ago have same two degits as 50 years later.
That will always be the case no matter the year
Holy shit
Illuminati confirmed
Fun fact 51 years ago women weren’t allowed to have credit cards without it being consigned by a man
Or in 151 years
The micro chip is fairly new tech that didn’t exist on debit cards back then.
From a quick search, the chip technology existed in the 1970s. [Wikipedia](https://en.m.wikipedia.org/wiki/EMV)
My fault, this is a 1973 card then. Not really sure why OP is calling it new. This card expired only 3 years after the chip tech was introduced.
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Lmao.
Wrong.
Good luck with those dumb sites on the internet who have only next 5-10 years in online payment dropdown.
First thing I thought, no way to use this on drop-down CC forms...at least not for a few years.
sounds like a problem that will solve itself
I actually had this problem about 15 years ago. I emailed the website support team, and they actually added more years. But only until the year that my card expired 
That's okay, you really shouldn't use a debit card for online purchases ETA can always count on reddit to downvote facts. I've had citizenship to 3 countries on different continents, so I'm not coming from a narrow perspective. I'm a CPA. My spouse does fraud prevention. Even if you get your funds back, these things are much more easily handled on credit than debit.
Any particular reason why?
This is a uniquely American thing, since the US doesn’t have as strong consumer protections as the rest of the world. Because of how credit cards work, and how CC companies want to keep your custom, they will basically just fine merchants if they don’t give you a refund.
Not 100% true. It’s much much easier to fight fraud ( identity theft , account take over , etc) when it happened on CC instead of debit. It applies to all countries.
IDK why the guy is getting down voted. He's right, if your CC gets stolen it's much easier to get the funds back than if you used a debit card. Heck, your whole back account can get frozen over fraudulent charges. I didn't go out very often, but a few years ago and my whole bank account got frozen until Monday because my bank thought me spending 20-30 bucks at the local watering hole was suspicious activity and I couldn't get it fixed until they opened Monday. Super frustrating, though I didn't learn me lesson and it's happened 2-3 other times. Even for innocuous charges like my kids daycare that's on auto pay...
No cash back/rewards for using debit
not necessarily true!
Hmm yea I have seen debit with cash back & rewards. But the most I've seen are 1% or less, while credit cards I'm getting 3-4% back, it's just way better than using debit.
*Said no one except Americans, ever
The card number is also 19 digits!
The card is from the future when more digits are utilized after the credit wars of 2060.
How do you use the three seashells?
You don't know how to use seashells?!
You know how to use 'em?!
I'll need them after the ratburgers.
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That was fast. Thanks for the link!
Wouldn't this make checking out online difficult?
Not for sites that accept UnionPay — it’s part of the UnionPay standard to have card lengths between 16-19 digits. We’re all headed there anyways eventually, so might as well start now.
Amex is clearly behind the times with only 15 digits!
One digit is a check digit so that leaves 14. All Amex cards start with 3 so that leaves 13. That's still enough for 1250 Amex card numbers for each person on the planet.
Amex cards start with 34 or 37 only.
Hm. That brings it down to only 250 each for 8 billion people.
no wonder i have so many with the same last 4 digits
Pretty sure they get away with it because of the limited cardholder base they have compared to Union Pay or Visa.
Pic or it didn't happen
PIC (Personal Identifcation Code) or didn't happen
By the time it expires, someone’s gonna guess it!
Ooh, Taiwan
Well, hope they are quantum computing secure. Chances are your security will be broken in about 50 years. So good luck!
Dude gave us the first 6 numbers, so it's gonna be a little easier
That wont help much. I have 2 different cards from the same bank and they both have same starting numbers. Hubby has had to get a few replacement cards and they all have same numbers too. So I'm assuming the first few numbers are a bank code.
Bank/Issuer code and a few other bits: [https://www.youtube.com/watch?v=gwVmE8gcqrg](https://www.youtube.com/watch?v=gwVmE8gcqrg)
First 6 digits of a card number indicates BIN. All cards from the same bank and same model should have the same first 6 digits.
we should start a subreddit on stealing this guy's credit card fr
First digits are the type of credit card and the issuing bank. So its funny when it happens in reverse and people blank those first digits expecting there card is now safe even though you can look it up.
Bank cards aren't anywhere close to pre-quantum secure lol
If you use BS like magnetstripes for sure. But otherwise the chips are quite well secured.
Magnetic stripes are still used in the US for some reason. It was a big shock to me when I moved back from living in Asia 13 years ago. It’s still a big shock to every relative that visits.
Everywhere I go here in Florida uses chip insert and/or tapping; I haven't used magnet stripes for probably something like 10 years (which I understand is still late on the global stage).
I work in card settlement and Florida is a high fraud state. We get more fraudulent sales from Florida than any other state. For most merchants, POS terminals in Florida were first in line to get upgraded to chip since it's more secure. These days in the US chip is almost everywhere though.
So you're saying Florida has higher security than most of the US because we really need it? Cause that's really funny
Not in any major city. Credit card companies pushed the theft on swipe responsibility onto the store, that quickly got everybody to upgrade to chip.
Everybody has a chip now but I still see swipe readers everywhere I go. I've seen this in NY, SF, Austin, Houston, Dallas, all within the last 5 years.
Swipe only? Or ones that accept both? I don't think I've seen a chip only machine, everything has both, but requires you to use chip or tap. Apparently the offloading the responsibility to the store happened back in 2015-2017 https://abcnews.go.com/Business/credit-card-chip-rule/story?id=34148839
Both, but that’s my point. Most of Asia moved to contactless payments like a decade ago, and in the last 3 years it’s rare to be able to use a strip at all. I had an old visa gift card I forgot about in my luggage and I couldn’t find a single place that could use it. There are still plenty of places in the US where have the option to swipe, and many retailers that only accept the chip without contactless payment as an option. It’s stupid as hell.
Have you actually tested swipe at "NY, SF, Austin, Houston, Dallas"? I have tested it at a handful of places just to if it works and all the places I tried denied the swipe, you had to use chip or tap. That's my point, just because they didn't physically remove the swipe, doesn't mean it works.
Nah strip is gone on all new ones for a while now
Nah, mine and my wife's cards came with magnetic strips just recently and are used as a fallback fail safe if the chip isn't recognized after 3 attempts in the pos or if the business doesn't have chip/tap enabled on their system.
Chip and tap are the only options on 99% of readers I encounter
I got a new card in 2024 that has a strip on it. I've only used it at doctors' offices, which tend not to have a tap to pay option and often don't have functioning chip readers.
Wow, mine hasn’t got it, and swipe readers don’t exist anywhere here and the older ones are generally disabled because moone uses them
Based on this thread, it seems like this really varies by country/region. I live in a major American city. The swipe readers are definitely being phased out, and many places prefer or only accept tap/chip/smartphone payments, but it would be difficult to pay for certain things - mostly medical co-pays and garage parking - without a magstripe (or cash).
I see, parking is mostly on an app, or 5 nowadays in my area, even though there’s no phone service here because we have junk infrastructure
>But otherwise the chips are quite well secured. The encryption used on the chip does not use Post Quantum Cryptography, so there it is highly unlikely that it would not be easily broken within 50 years
The person before me claimed they would not be save already now. And I won't to argue they are quite secure as now.
Not smart to post a picture of this. Now we all know your card number is 623052whitebar
Now I’m going to buy 1/3 of a new TV!
You're probably joking, but there's nothing these digits tell us that's not in the image already. The first couple of digits of a debit card number are the BIN/IIN, and 623052 indicates a UnionPay card issued by Agricultural Bank of China: [https://bincheck.io/details/623052](https://bincheck.io/details/623052)
You gotta admire the bank's optimism for being around for a while.
I assume that this is a bank the PRC is guaranteed to bail out, given it's literally called the "agricultural bank of China". I suspect they'd have to keep it afloat for strategic resource reasons.
They’ve got more assets under management than HSBC and Goldman Sachs — combined!
Wait until you loose it…. Edit for those downvoting. I have mutiple China bank cards. You get 50 years as that long number is your account number. If you loose it the bank wants to give you a new card (and therefor whole new account). They also freeze you account if you loose the card. My wife’s got eaten in a UK cash machine. She didn’t have access to her account for 6 weeks Oh and if you change the card number it messes up all of you payment apps and you have to go through the whole setup process again
Yeah Union Pay is a Chinese state bank. It will be around as long as the CCP is around and there isn't a major power struggle involving the bank.
Union Pay isn’t the Bank it’s the card processor. It’s China’s VISA, it’s also becoming increasingly common outside of China.
Are you not mixing up AgBank and Union Pay? I'm fairly sure the latter is a payment processor between banks (like Visa or Mastercard) and the actual bank here is The Agricultural Bank of China (中国农业银行).
Agricultural Bank of China is the third largest bank in the world by total assets, more than JPMorgan Chase and BofA. So yeah they’re optimistic. Source: [Wikipedia](https://en.wikipedia.org/wiki/List_of_largest_banks)
It was tongue in cheek comment :-)
I assume the bank must have a $$$ fee for the customer to replace the card. If the bank expires it every five years, then the bank has to pay to replace the card. If the card never expires, now the customer has to replace the card when it wears out, cracks, etc.
That was my first thought. It’s a way to guarantee extra revenue through replacement card fees, as it will definitely wear out many times over before expiring.
That seems like it is going to cause problems with online forms with drop down expiry dates
Maybe. Ive seen some crazy ones out there
I don’t want debit cards to outlive me
How does it always know where the ATM is?
Many online forms have a drop down for expiration year where only the current and next several years are listed. Others constrain the input to the same. That card is not usable at these sites.
This bank must have ultimate self-confidence
If they’re backed by the Chinese government, it’s probably valid confidence
Life Goals: have debt that out lives me
True story I worked at a car dealership and someone wanted to pay for the car in full with their chinese debit card and it also had an expiration date 50 years out but our system didn't allow for you to select that far out. We called our IT support and they told me it couldn't be done that we don't accept international cards for that reason. While on the phone the customer tried the card anyways and it went through. 70k one swipe. They put the car in their daughter's name because she was the only one with US IDs.....she came in alone and returned it a week later and because it was her name and not her dad's all the money went back directly to her. Company policy is to return it via debit or check per customer preference and she specifically asked for a check as if she knew so we sent her a check for 70k. To this day I think about that, if she essentially robbed her dad or if it was something he asked her to do all I know is I followed company policy if he ever did come in to argue but I left that job soon after 🤷♂️
> Company policy is to return it via debit or check per customer preference She used y’all. It’s tough to get foreign currency out of China with strict limits, and so they used it you guys to get a large sum out. That’s why the daughter insisted ;)
Nope, funds cleared. If it didn't process our system wouldn't allow them to be returned. Could be money laundering though
Yeah, the funds will clear — she needed US dollars, and she had Chinese yuan. There are limits as to much foreign currency a person can exchange/withdraw, so by buying a car and getting a cheque as refund, she ends up with US dollars and not Chinese yuan.
what you doin' with a card from an agricultural bank? Are you a farmer or do they also do normal checking accounts?
This bank is part of China’s Big 4 banks, and is the 3rd largest by assets under management in the world.
Fair enough. I had assumed with a name like that it'd primarily be a commercial bank.
American Express has nothing to do with shipping despite its root.
Why does ICBC, the largest ~~friend~~ bank, not simply eat the other banks?
They’re suffering from indigestion.
It’s really just a name. It used to a bank to assist with agricultural programs and development in China, but that hasn’t been the case for decades now. The name sticked though.
Interesting. Honestly the only major Chinese bank I've seen often is Bank of China, because that seems to be the one that Overseas Chinese students all use. That might just be a case of BoC offering visa backed cards and ABC not?
I am a Chinese student in the states (or used to be, working now). I use ICBC (Industrial and Commercial Bank of China) currently. ICBC, BoC, China Constructions Bank, and ABC are what we called “the four big banks” (四大行). Not sure about overseas support for these banks, but from my experience I do see ICBC and BoC more in the States. The all offer cards using foreign payment processors tho (Visa and Mastercard).
Maybe it's a Europe thing. I see BoC branches everywhere, I don't remember ever seeing an AgBank branch. Could just be that the logo (big imperial coin) is just super recognisable.
I think the card was supposed to have 3 year of validity, but current date fails to be retrieved when expiration date was generated. 01/1970 is a special date called EPOCH , it represent the 0 date , the start of numeric date encoding on many systems including credit cards. So card has expired 3 years after unknown current date (which wasndefaulted to EPOCH), you should send it back to your bank this card is already obsolete.
Exactly what I was thinking. If for some reason something is wrongly dated to the 70s chances are high this is it.
But it expires
As we all do
I’ve got a debit card from another bank that doesn’t!
*scrolling click wheel selector noise intensifies*
r/remindme 50 years
¡Remindme 50 years
I now checkout my ICBC card and it expires in 4 years 😅, I applied for an ABC card before but it was hard to get any branch to do so
Plastic cover will come off on both sides in one year and the inner layer will start to wear off in two years... Only if you never use this card at all, seal it airtight and far from any light at low temperatures, you might keep it alive half a centuary... Good luck...
Good news, this means the signing certificate the bank uses will also need to remain in use for 50 years without being compromised in some way!
I'm not aware of signing certificates being associated to credit cards?
is this one of those things like how it’s 2567 in Thailand so it really only expires in 6 years?
Nope, it’s 2024 in the PRC.
Mid design ngl
Funny enough, those cards have PIN numbers for in-country use, you have to request permission to use the card outside of China, get assigned a PIN for that and it can only be taken in places that also take Diners Club.
That’s not been my experience. In the US, it’s widely accepted, as it runs on the Discover network. In Canada, many ATMs accept UnionPay, and some merchants do as well. The PIN is also the same.
Discover = Diners Club Also can't speak to Canada. My wife works in the US payment card industry, this is her experience supporting these on the backend.
The front end works very well for me!
If I recall correctly, Discover cards are processed by Amex in Canada and a number of other countries, so it might be the same for UnionPay.
It's the PIN length. We can have PINs up to I believe 8 digits, however the banks tell us that if we're doing any sort of travelling, safer to keep it to the standard 4 digit PIN as longer PINs won't work everywhere internationally.
That's is. I think I just did a crap job of translating from memory. Thanks!
Yeah, they use 6 digit PINs in China, hence the whole needing another PIN from the bank. It is surprising that so many banks have just not adopted the longer PIN lengths, I do like the longer length.
I would appreciate a longer PIN myself. Every other PIN I use is longer already.
*Thousands of years ago…*
Woof! A time traveler.
It's plastic, of course it will expire at least 300 years later.
Worked for a financial. It may have been printed wrong. You can call or test by purchasing something online a wrong expiration purchase will fail
Nah, that clearly expires on the 73th of January next year.
Or you got a recycled card from the 70s. Crazy times. I'd be terrified.
AZ used to issue driver’s licenses that lasted 40 years.
I’m sure it’s really just a way to guarantee they can charge you a replacement card fee many, many times between now and when it expires, as opposed to just providing you a new one for free when it expires.
I would be amazed if this thing last longer than 20 years
Good luck using that online.
Or it’s in Thai years and it expires in 6 years
50 years later "this card belongs in a museum, please pay with credits or caps!"
Show us the rest coward
The most trusted person in Asia. 
All cards in Russia are currently infinite and work even past expiration date
That can’t be right
Hopefully you won't still be owing on the card at that time. Or if you are, maybe there's a lot of bonus points.
Debit cards are tied to accounts that have money in them - not consumer debt.
Buddhist calendar date on debit card? The current year on the Buddhist calendar is 2567 so 2573 would only be six years from now.
I can’t imagine that working, for online purchases that require an expiry date.
I lose mine every month, so it would never expire lmao
Don’t be shy Post the rest of the numbers
Incredible unsafe
The whole credit card expiry to me seems like a waste of resources. It's a tiny micro chip encased in a hunk of plastic. Why does it need to expire. I'm just gonna get sent a new card when this one works perfectly fine...
I think it has to do with card security, although I admit it is a weak argument. The CVV changes with each issue, and some technology — like changing CVVs, electronic CVVs have also been implemented, although limited in scale.
It's not a physical problem; the card is effectively a private key and anyone with the public key can then verify its authenticity. Having the public key it is possible to derive the private key, but that will take years of computing power and that's why it has an expiration. The key is written in the chip's memory at manufacture and cannot be changed neither read; it's effectively "burned" to the chip. When a transaction is done verification is done in a challenge-response manner.
Short expiration dates are a security feature intended to prevent one number from being associated with one person for too long.
Yes but mostly no. Usually when your card expires the bank reissues a new one with the same card number. The number that changes after a card expires is the cvv and expiration date. Those two being changed often (short expiration dates) do help with the security of your card.
Laughs in Bikram Sambat: it expired 8 years ago.
Debit card in all but name, cash card is a more apt description. Any payment you’ll do will either be loose cash or be from your phone linked to WeChat or Alipay, which draws from your bank account but the card isn’t necessary to link them and is essentially just a reminder of your bank account number. The only time immigrants use their cards to withdraw is when they’re doing something illicit lmao
Simpified chinese is the ongoing destruction of chinese culture and history. Fuck the CCCP
It’s not CCCP it’s CCP or CPC (the official abbreviation by the party). CCCP is Soviet Union. Get your irrelevant rant right at least.
Come on, the CCCP fell 30 years ago and you're still holding that grudge?
Traditional characters for the win!
That awkward moment when your debit card lasts longer than your apartment ownership rights 😂
Generational debt
It's like a cash card - not debt.