Personal anecdote: I was booking a room with Delta Hotels recently, and it declined my card repeated saying that my expiry date was wrong (it wasn't).<p>At some point I figured that my booking date was <i>after</i> the expiry date, which makes some sense that they would not accept it. Clearly they had the code logic to check for this, but they couldn't get the error message to tell me this?<p>Instead they threw me the old "your expiry date is invalid!" message.