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New credit cards are sticking around longer in consumers’ wallets. The change to chip cards has made them more durable, and that means card expiration dates can be longer, too.

“Historically, mag stripe cards had a reissue cycle of about three years, because that’s when the cards really started showing their age,” explains Jack Jania, senior vice president of strategic alliances for card manufacturer Gemalto.

“When the cards went to chip, because chips are a little more rugged, we saw the mix of reissue dates go from 3-4 years to typically a mix of 3-5 years.” Chase Card Services spokeswoman Lauren Ryan confirmed: “We are working to move all of our card reissues/new account issuance from three- to five-year expiration.” Major card brands American Express and Mastercard declined to comment.

But as we’ll see, the next wave of payment technologies mean the whole concept of expiration dates may be running out of time.

Anything you post may be disclosed, published, transmitted or reused.Card issuers have long known that consumers pay little attention to reissue dates unless a card expiration stings them on a card-on-account autopay.However, technology has conquered that inconvenience as well.Just as e-commerce technology has helped consumers avoid those annoying “NSF” messages when they discover their card on file has expired, the next wave of payment innovation may one day render card reissue dates as obsolete as mag stripes.“The plastic card traditionally has been the touchpoint for new technology, but that’s not necessarily the case anymore,” says Oxman. I’m noticing more interest in providing replacement cards with contactless (“tap-and-go”) technology on them, basically because of speed and ease of use,” he says.

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