Apparently my card is about to expire

November 2010. It wants a new card.
I better do this quickly I only have well over a year!
Seriously though, what does one do?

Have you changed the expiration date listed for your card in your account settings in the iTunes Store? That's the date it goes by, not the date of your actual card, so if your bank issued you a new card but you didn't change the details in your iTunes Store account, you need to do so.
Regards.

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