<?
$card_data[0]['CARDEXPDAT'] = "052008";
$_POST['pmt_date'] = "2/20/2008";
$month = substr($card_data[0]['CARDEXPDAT'], 0, 2);
$year = substr($card_data[0]['CARDEXPDAT'], 2, 4);
if(strtotime($_POST['pmt_date']) > strtotime(substr($card_data[0]['CARDEXPDAT'], 0, 2) . "/01/" . substr($card_data[0]['CARDEXPDAT'], 2, 4)))  {
        echo "exp";
}


else {

echo "we good";
}
?>