Trouble with Saved Credit Cards

[Birdsafe]

Recently I have noticed that when I take a phone order and try to use a valid saved credit card it is declined - and it is being declined by 3dCart as there is no record at my merchant bank. But if I get the card info from the customer and enter it as a new card - everything being the same -- it goes through. Anyone else seeing this? What is going on? I'm not sure if customers on the front end are seeing the same issue, I do know a couple of customers have reported issues with using their saved credit cards but not sure if they try to reneter it or use another one.

[Elimax]

We are also experiencing this quite a bit. Some type of response about the token no longer being good. Id say it happens 15% of the time with customer credit cards that were saved on file. Initially I was going back to Authorize.net until we realized the charge/query is not even making it to them....

[Birdsafe]

Found out this apparently happens when a credit card token has expired -- merchant bank only keeps information for about a year.