Will a Credit Card Work After Being Washed?

Discovering a credit card has accidentally gone through a washing machine cycle is a common and frustrating experience. While credit cards are designed with some resilience, their functionality after exposure to water, detergent, and physical stress is not always guaranteed.

Understanding Card Components and Water Exposure

Modern credit cards feature several components that enable transactions, each with varying susceptibility to water and washing machine conditions. The magnetic stripe on the back of the card stores data and is generally not affected by water. However, agitation and tumbling can scratch or abrade the stripe, leading to demagnetization or damage that prevents it from being read.

The embedded EMV chip, a small metallic square, contains microprocessors and encrypted data. Exposure to water, especially with detergents, can corrode its contacts over time. Inserting a wet chip into a payment terminal could also cause a temporary short-circuit.

Many cards include a contactless (NFC) antenna for tap-to-pay transactions. Embedded within the plastic, it has some protection from water. Physical stress from tumbling or excessive heat, especially from a dryer, poses a greater risk to the antenna and card structure than water. High temperatures can warp the plastic, compromising embedded components.

Steps to Take After Washing Your Card

If a credit card has been washed, carefully remove it from the laundry. Gently pat it dry with a soft cloth or paper towel to absorb surface moisture. Avoid heat sources like a hair dryer, as excessive heat can damage the card’s plastic or internal components.

Allow the card to air dry completely for several hours, ensuring all moisture evaporates, especially from around the chip and seams. Once dry, test its functionality with a small transaction, perhaps at a vending machine or self-checkout kiosk. If the card fails to work via chip, magnetic stripe, or contactless methods, it likely requires replacement.

Replacing a Damaged Credit Card

If your credit card is non-functional after washing, contact your credit card issuer. Most issuers provide multiple channels, including customer service, online banking, or their mobile application. You will need to provide personal identification and explain the card is damaged.

Issuers generally replace damaged cards without charge, though expedited shipping may incur a fee. Standard mail delivery typically takes five to ten business days. Upon arrival, activate the new card and update your details with merchants for recurring bills or online purchases.

Protecting Your Card from Accidental Washing

Prevent accidental washing by adopting simple habits. Consistently check all clothing pockets before laundry. This ensures cards and other valuables are removed before a wash cycle.

Establish a routine for emptying pockets into a designated spot, like a tray or drawer. Storing your credit card in a dedicated wallet or purse slot, rather than a loose pocket, offers additional security. These adjustments help protect your card from laundry mishaps.