<prompt> Human: I like to get as many credit card points as I can so I have my electric bill put on my credit card each month. I requested another card for my sister because I no longer drive. What I did not count on is that when I was issued a new card, the expiration date changed. That caused my electric bill not go get paid and I was issued a fine that was wavered. What is the reason for the expiration date?  <response>: Two main reasons. Protect against fraud and replace physically worn out cards in a timely manner. 