I am working on a web app where I have user's stripe customer id. I have checked the docs and found that when we stores users card on stripe, stripe checks if it is valid and working for that time.
On the other hand when payment is made we can check it out if card is valid and working by the response from the stripe.
But in my case I have a flow where I payment is going to complete after the appointment is completed and I have to check if the card is working and valid before creating an appointment in database. If card is working we will create an appointment and if not then we will ask to user to add new card as previous is not working and after successful card addition we will proceed.