Expiration Date: This refers to a date on which a payment instrument or Card becomes unusable with the Cardholder losing access to the underlying account or value. Expiration Date should not be confused with Valid Thru Date which is a date on which a plastic card becomes unusable but the Cardholder retains the ability to access the underlying account or value by obtaining a new card or via a customer service transaction. Expiration Dates are regulated by Consumer Protection Laws and Unclaimed Property Statutes.