# About-to-Expire Card Renewal
source: https://developer.mastercard.com/mastercard-processing-core/documentation/guides/card-renewal/index.md

Virtual and physical cards are valid for a period that ends on their expiry dates. After this date, the card becomes inactive. To avoid a gap in time between the old card's expiry date and receiving a new one, a new card is produced when the current card is close to its expiry date.

## Expiry Date Rule {#expiry-date-rule}

When a card renewal is initiated more than three months before the old card's expiry date, the new card keeps the old card's expiry date. When the renewal is initiated less than three months before the old card's expiry date, a new expiry date is set for 48 months. Both three months and 48 months are configurable values.

## Renew a Card {#renew-a-card}

You can use the Mastercard Processing API to send a request to the Card Management System (CMS) for a new `Plastic` object with a new `plasticId` number that is linked to the same card contract with the same `cardContractId` number. The new `Plastic` is set to `Locked` in the `status` field. The old `Plastic` changes to `Closed` status.

The new `Plastic` status changes from `Locked` to `Active`. The old `Plastic` status does not change, and it is in `Closed` status. You can allow performing transactions using the old card in the `Closed` status until the new one is activated. In that case, activating the new card will trigger the rejection of the old card's transactions. To learn more about card statuses, refer to [Card Plastic Status](https://developer.mastercard.com/mastercard-processing-core/documentation/guides/status-changes/index.md#card-plastic-status).

To renew a card that will expire soon, you must initiate an API request with the value `RENEW` or `RENEW_D` in the `reissueType` field of the `reissueCard` operation.

![](https://static.developer.mastercard.com/content/mastercard-processing-core/uploads/renew-a-card.png)

The renewal process can be automated in the CMS based on parameters, such as the expiry date or time before the expiry date triggering renewal. In this situation, you do not need to send the API request.

## Renew a Virtual Card {#renew-a-virtual-card}

A virtual card renewal can be automated using the CMS or an API request. The new card receives a sequence number increased by one. The old card is closed, and the new card is activated immediately.

![](https://static.developer.mastercard.com/content/mastercard-processing-core/uploads/renew-virtual-card.png)

## Renew a Physical Card {#renew-a-physical-card}

A physical card renewal can be automated using the CMS or an API request. The new card receives the sequence number increased by one. The new card has a `Closed` status from the moment a new card starts to be in a `Locked` status. You can allow an old card to perform transactions until a new card is activated, even when the status of an old card is `Closed`.

![](https://static.developer.mastercard.com/content/mastercard-processing-core/uploads/renew-a-physical-card.png)
Note: When a new card has the status as `Locked`, the old card becomes `Closed`. For an old card, you can set:

* reject all transactions
* perform transactions until a new card is activated despite the `Closed` status of an old `Plastic`.
Tip: You can configure the CMS to perform the following additional operations:

* Keep an old physical card active until the cardholder activates a new physical card. This solution allows POS payments without disruptions between card transit time.
* Display the virtual card as active in your user interface (UI) after physical card activation. The physical card will have the same functionality and data for online payments, and you can choose how to communicate this to your customers in your UI. You can demonstrate that either only a physical card is available or both cards are available.

## Renew a Physical Card with a Virtual Card {#renew-a-physical-card-with-a-virtual-card}

A physical card can be renewed with a virtual card. The new virtual card receives a plastic sequence number increased by one. The new virtual card can be used immediately, and its activation triggers the closing of the old card.

![](https://static.developer.mastercard.com/content/mastercard-processing-core/uploads/processing_25.png)

## Renew a Physical Card with a Virtual and Physical Card {#renew-a-physical-card-with-a-virtual-and-physical-card}

The new physical and virtual cards are linked to the same card contract and receive consecutive plastic sequence numbers. For example, if the existing physical card has the number '1', the new virtual card receives the number '2'. The new physical card receives the number '3'; after its activation, the virtual card becomes inactive by default. You can also allow an old card to perform transactions.

![](https://static.developer.mastercard.com/content/mastercard-processing-core/uploads/renew-phy-card-with-vir-phy-card.png)
Note: When a new card has the status as `Locked`, the old card becomes `Closed`. For an old card, you can set:

* reject all transactions
* perform transactions until a new card is activated despite the `Closed` status of an old `Plastic`.
Tip: You can configure the CMS to perform the following additional operations.

* Keep an old physical card active until the cardholder activates a new physical card. This solution allows POS payments without disruptions between card transit time.
* Display the virtual card as active in your user interface (UI) after physical card activation. The physical card will have the same functionality and data for online payments, and you can choose how to communicate this to your customers in your UI. You can demonstrate that either only a physical card is available or both cards are available.

## Renew a Virtual Card with a Virtual and Physical Card {#renew-a-virtual-card-with-a-virtual-and-physical-card}

The new virtual and physical cards are linked to the same card contract and receive consecutive plastic sequence numbers. For example, if the existing virtual card has the number '1', the new virtual card receives the sequence number '2' and is ready to use immediately. The new physical card receives the number '3'; after it is activated, the virtual card is deactivated by default.

![](https://static.developer.mastercard.com/content/mastercard-processing-core/uploads/renew-virtual-card-with-virtual-phy-card.png)
Note: When a new card has the status as `Locked`, the old card becomes `Closed`. For an old card, you can set:

* reject all transactions
* perform transactions until a new card is activated despite the `Closed` status of an old `Plastic`.