Your card has expired
When life gets hectic, you may forget to check the expiration date on your credit card. Or maybe you overlooked the new credit card sitting in that pile of mail you need to get through.
Your new card "may be coming in a very nondescript, antiseptic, benign envelope," says Ulzheimer. "Be careful not to throw it in the shredder."
Keep an eye out for your new credit card about 3 to 6 months in advance of your expiration date because by then, the issuer has made the decision of whether or not it wants to renew your account, says Ulzheimer.
If you can't find your new card, call your credit card company to make sure nobody is racking up fraudulent charges.
If your credit card company decided not to issue you a new card, you'll get a letter that explains your options for paying off your remaining balance.