Good encryption means that if the user knows for example as you mentioned that the expiration month of a credit card is one of twelve values then it will limit the number of options by just that, and not more.
i.e.
If a hacker needs to guess three numbers, a, b, c, each of them can have values from 1 to 3.
The number of options will be 3*3*3 = 27.
Now the hacker finds out that the first number, a, is always the fixed value 2.
So the number of options is 1*3*3 = 9.
If revealing the value of the number a will result in limiting the number of options to a value less then 9 than you have been cracked, but in a strong model, if one of the numbers will be revealed then the number of options to be limited will be exactly to 9.
Now you are obviously not using only the exp. date for encryption, i guess.
I hope i was clear enough.