How to Fix a Demagnetized Card & What to Do Next

A demagnetized card occurs when the magnetic stripe loses its ability to be read by card readers. While temporary workarounds exist, directly “fixing” a demagnetized card is generally not possible. The solution involves obtaining a new card from your financial institution.

What Demagnetization Means

A card’s magnetic stripe contains tiny iron-based magnetic particles embedded in a plastic-like film. This stripe stores essential information such as your account number, name, and expiration date in a magnetic format. When swiped through a card reader, it interprets these magnetic patterns to process a transaction.

Demagnetization happens when these magnetic particles become corrupted or erased, preventing the card reader from retrieving the data. This is not a physical defect in the card material but rather a data issue on the stripe itself. Common sources of magnetic interference, such as strong magnets or certain electronic devices, can disrupt these magnetic patterns. Because the issue is with the encoded data, a user cannot simply re-encode the information at home.

Troubleshooting and Temporary Solutions

If a card isn’t working, a few immediate solutions might allow a single successful transaction. Try swiping the card through a different card reader, as some readers may be more sensitive. If available, using a chip reader is often more reliable than the magnetic stripe, as EMV chip technology is less susceptible to magnetic damage.

Gently cleaning the magnetic stripe can help if dirt, oils, or debris obstruct the reader. A soft cloth or cotton swab with rubbing alcohol can wipe the stripe. Applying clear tape over the magnetic stripe and then swiping can sometimes help the reader make better contact. Experimenting with different angles or applying slight pressure while swiping might also enable a successful read. These methods are temporary measures to bypass a reading issue and do not permanently “fix” the demagnetization.

Preventing Future Demagnetization

Protecting your cards from demagnetization involves careful handling and storage to minimize exposure to magnetic fields and physical damage. Keep cards away from strong magnets often found in items like phone cases with magnetic closures, magnetic clasps on wallets or purses, or even refrigerator magnets. Avoid storing cards near electronic devices, as these can generate electromagnetic fields that may disrupt the magnetic stripe.

Storing cards in a dedicated wallet or cardholder designed to protect magnetic stripes can significantly reduce the risk of demagnetization. Ideally, cards should be placed in separate slots, ensuring magnetic stripes do not rub against each other. Avoiding rough handling, extreme heat, or carrying cards loose with items like keys or coins also helps prevent physical wear and tear that can mimic demagnetization.

Getting a Replacement Card

When a card becomes demagnetized, the solution is to obtain a replacement card from your financial institution. This process typically involves contacting your bank directly, which can often be done via phone, through their online banking portal, or using their mobile application. Some institutions also allow you to request a replacement by visiting a local branch.

When requesting a new card, you will likely need to provide your account number and verify your identity for security purposes. The replacement process is usually free of charge, though some financial institutions might levy a small fee for certain replacement scenarios or expedited delivery. Most financial institutions will send a new card within approximately 5 to 10 business days. If your card was lost or stolen, your financial institution will often issue a new card number to enhance security.