Remember that mass expiration of Google Play credit that happened last month? Google later explained that this was because credits were set to expire one year after they were issued, but that explanation in isolation didn't justify exactly why so many people saw such a big chunk of their balance disappear all at once — this isn't a regular yearly occurrence. Some assumed it was a rule that was simply never enforced, but it turns out that a very specific change in Google's terms and conditions as of November 8th, 2018 is to blame.

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