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Do Banks Really Give Out New Expiration Dates? Yes. This is a value-added service usually called something like Account Updater (emphasis mine): Serving as an automated, dedicated, and secure clearinghouse, VAU works by establishing a streamlined process for the electronic exchange of updated account information among participating merchants, ...


I know several banks use "profiling data" from previous logins in order to try to determine the identity of the user based on: Credentials (obviously) Secret question (not all banks use this method though) IP address (Geo Location + time zone) and internet provider The device(s) previously used to communicate with the bank: a. Type of web browser, its ...

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