Fix credit card related specs to work beyond 2014.

There are a couple places in the code where it uses 2014 as the expiry
for a credit card. That's all fine and dandy for the next month or so,
but come January 1. This should make sure that everyone stays happy.

This change should also be merged in to 2-4-stable, as those tests will start
failing on January 1, 2015 without this change.
Use the new Ruby 1.9 hash syntax.