diff --git a/lib/faker/business.rb b/lib/faker/business.rb
index <HASH>..<HASH> 100644
--- a/lib/faker/business.rb
+++ b/lib/faker/business.rb
@@ -10,7 +10,7 @@ module Faker
       end
 
       def credit_card_expiry_date
-        ::Date.today + (365 * rand(1..4))
+        ::Date.today + (365 * (rand(4) + 1))
       end
 
       def credit_card_type
fixed for compatibility with ruby <I>