Today I got a warning my joint card will expire.
It actually expires on 31/08 so it’s nearly 3 months away!
If I follow the prompts to confirm my address the card will be with me in 2 business days it says.
This seems to have been designed to avoid issues but actually it causes more as no websites expect a card expiring in August to be replaced in June, so they don’t prompt for the replacement yet and payments simply fail.
I think the easiest would be to prompt for the address check later or at least change it so that check doesn’t automatically result in a card being sent. Post the card on the 1st of the month in which it expires and things should work fine