There isn't really a time limit.

Yes, it says so on your card, but you can still use it after the date that it runs out.However, there are a few uses for your card's expiration date.First, it calculates how long your physical card will last and tells your credit card company when to send you a new one.Second, when the merchant cannot see your card, it is used for online and over-the-phone purchases.The merchant can verify that you are the owner of the card and that it is in your possession by looking at the expiration date.

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