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Send notice to Chargent Customer 1 month prior to Credit Card Expiration date

Hi  -
Using Chargent for Credit Card processing.  We'd like to send a notice to customers 1 month prior to credit card expiration date, but since Expiration Month and Expiration Year are encrypted, I can't access them in a formula.  At least that's what I think is the issue - due to PCI compliance.

Has anyone sent a similar letter? How?

Any other ideas?
Thanks - 

Micaiah FilkinsMicaiah Filkins
Hello Sara-  Thank you for the question.  Chargent has recently rolled out a feature we call Account Updater that does exactly this for you!  Email us at Chargent@AppFrontier.com, we will help you get squared away.