"Your credit card is about to expire" error every time I try to purchase an app in App Store

Whenever I try to make in app purchases I get an error pop up that says “Your credit card is about to expire” and that I need to sign in to update my information. Except my card doesn’t expire until 2027.


I’ve tried resetting my phone, I’ve tried signing out of my Apple ID and back in. I can’t delete and re-add my card because I get an error saying I can’t because I have active subscriptions on the card.


Funnily enough, I canceled my subscriptions on my card thinking I could cancel them, delete and re-add my info and then resubscribe, which I couldn’t do because I got the active subscriptions error again but when I resubmitted my canceled subscriptions they went through just fine.


Also I usually use Face ID to pay, but because of this error, I get asked into sign in to Apple ID instead which is unusual.


Any suggestions? This is so annoying


[Re-Titled by Moderator]

iPhone 11

Posted on Dec 29, 2023 9:16 PM

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Posted on Dec 30, 2023 12:44 PM

I’ve had this problem too - started to get emails in the middle of December saying that upcoming subscriptions were going to fail and I should update my payment details - but everything was correct so there was nothing to update. Then yesterday my iTunes Match did indeed fail to renew because the payment failed.


Contacted Apple Support and was fortunate enough to speak to someone who was aware of the cause of this problem. As I understand it, this is an Apple Pay issue where a person’s credit card is linked to Apple Pay. Believe it or not, Apple Pay is not using the credit card expiry date but has a blanket expiry date of December 2023, which is why payments are starting to fail for lots of people.


To fix it, I was told to do the following. Go to Settings->Apple Id->Payment and Shipping and remove the payment method linked to Apple Pay. Then add the card details back as a new payment method but DO NOT LINK it to Apple Pay. The card should then start working again.


I won’t get into the craziness of this or the fact that Apple appear to have sat on this problem since mid-December when they started sending out emails saying upcoming payments were going to fail…..

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305 replies

Dec 30, 2023 10:59 PM in response to snohw

Ok I think I got it working.


I went to Payments and Delivery in Profile, removed card and added PayPal so any subscriptions would not block the removal of the card.


I then removed the card from Payments and Delivery, went to Wallet in Settings and removed the card also.


I then re-added the card to Wallet (after 10mins or so) and enabled for ApplePay.

I then re-added the card in Payments and Delivery, and Linked to ApplePay.


I’ve still got PayPal there but it listed second so the Card is used first. I’ll remove PayPal soon, once I’m totally convinced it’s all good.



Dec 31, 2023 11:25 AM in response to snohw

I was suspicious of something like a virus too. I received emails and couldn’t make in-app purchases. Today, I could not even re-install old apps. However, this worked for me: I had subscriptions, so I couldn’t remove the payment method. But I could remove the card from Apple Wallet. Then when I went back into the App Store, it showed that the expiry date for my card was now missing. I could then update that information and THEN added the card back to Apple Wallet. For the moment, all seems to be working again.

Dec 31, 2023 4:02 PM in response to Lollypup0327

No you don’t. You need to go to Apple ID payments and add another card. It can be a debit card, does not have to be a credit card. Then remove that credit card both there and from Apple wallet. Then add it back in in Apple ID (on the settings page). Then add it back in in apple wallet. You can just click on previous cards there and select. You have to use another card in order to delete that card if you have subscriptions. But you can remove that second card as soon as you reinstall your credit card.

Dec 31, 2023 5:15 PM in response to Picanmix

I did this and it worked. I had to add another card as my current card couldn't be deleted as it was the only card linked. So I added another card, re-added the card I want to use and deleted the other one. I was able to make a purchase. As per the above user's suggestion, I haven't and won't link the card until it has been resolved. I will echo the sentiments of others that given it seems that some users were having issues earlier, a solution or at least an acknowledgment of the problem would have been nice.

Jan 2, 2024 7:33 AM in response to snohw


I just spoke to the Apple team about this issue. The solution is to first add a new payment (must not be your current card with just an updated expiration date). Paypal is a quick alternative if you have this, or just another card. Then you can delete the 'old' card and then add it again with the updated expiration date (must be 4 digits... EG 2028 instead of 28). You can then delete the alternative payment (Paypal or other) again f you like.

Jan 2, 2024 1:37 PM in response to snohw

WHAT WORKED FOR ME: my first thought was to remove the card & re-add it, but because I have a subscription (2TB iCloud), I was unable to remove the card as you HAVE to have one on file if you have any active subscriptions. If you don’t have any subscriptions, simply delete the card & re-add it. If you do:

  1. add a SECOND card to your payment methods (so you will now have 2 cards saved)
  2. remove the “expired” card (so now the only payment method should be the card you just added)
  3. re-add the “expired” card to your payment methods (you will have 2 cards again)
  4. remove the “new” card you added (now you will be back to the original card & shouldn’t receive an error saying it’s expiring soon)


I don’t work for Apple or anything, so it may not work for everyone. It worked for me though so I wanted to share & hopefully help those having the same issue I was.

Jan 3, 2024 12:39 PM in response to snohw

I had my apple tv+ come up as expired because of the credit card issues. I went into the update payment area and removed the card and re-entered the card information. It again hit me with your card has expired. I then realized that the year used to be in a 2 digit format i.e. 28 for 2028, now it needs all 4 numbers to work. I did it one more time using 2028 instead of 28 as the expiration date and all is fixed. I hope that helps someone.

Jan 4, 2024 11:31 AM in response to snohw

I had the issue and tried the remove and add advice. Nope. Finally had to go through the bank because that was the only way it would verify my card in wallet or app store. That took an hour and a half on hold for 3 people…. but they fixed it, and all is well. The tech said they were doing this all day and it had something to do with Apple not “seeing” the agreement page.

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"Your credit card is about to expire" error every time I try to purchase an app in App Store

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