Will My Credit Card Still Work If I Washed It?
Discover if your credit card survived the laundry. Get clear guidance on checking its status and the necessary steps to take for resolution.
It is a common experience to discover a credit card accidentally left in a pocket and subjected to a laundry cycle. While this can cause immediate concern about the card’s functionality, most credit cards are designed with a degree of durability. This guide will help you assess whether your card has survived the wash and what steps to take if it has not.
Understanding Card Components
Credit cards are composed of several critical functional elements, all vulnerable to damage from water and detergents. The plastic card body, typically made of polyvinyl chloride (PVC), provides the structural integrity and houses the other components. While PVC is durable, excessive heat can cause it to warp.
The EMV chip, a small metallic square on the front, contains encrypted data and generates unique transaction codes for enhanced security. This chip is encased in epoxy resin, offering some protection against water. However, residue or corrosion on its contacts can disrupt communication with card readers. The magnetic stripe on the back stores account information. Although water generally does not affect magnetic material, detergents or physical abrasion can degrade the stripe’s data or functionality.
Checking for Damage
After retrieving your card from the laundry, a careful visual inspection is the first step before attempting to use it. Examine the card’s physical integrity for any signs of warping, bending, or cracking, especially near the edges or where the chip is embedded.
Next, inspect the EMV chip closely for any discoloration, corrosion, or residue on its metallic contacts. Confirm the chip is still firmly attached to the card and has not started to peel away. Finally, check the magnetic stripe for any fading, scratches, or foreign residue that might interfere with its ability to be read. Also, verify the signature panel has not smudged or become illegible.
Testing Card Functionality
After a thorough visual inspection, you can safely test the card’s functionality to determine if it is still operational. A practical initial test involves attempting a small transaction, perhaps at a vending machine, a gas pump, or by checking your balance at an ATM. This allows you to gauge its performance in a low-stakes environment.
When using a physical terminal, first try inserting the card into a chip reader and observe the terminal’s response. If the chip transaction fails, attempt to swipe the card through the magnetic stripe reader to see if that method works. For digital transactions, try making a small online purchase to confirm that the card number, expiration date, and security code (CVV) are still valid for online use.
Steps If the Card is Damaged
If your card proves non-functional or significantly damaged after testing, contacting your card issuer is the immediate next step. You can typically find the customer service phone number on the back of the card, on your monthly statement, or through your online banking portal. Many card issuers also offer options to report a damaged card through their mobile app or website.
When you contact them, be prepared to provide details about the damage and confirm your identity. The card issuer will then initiate the replacement process, which usually involves sending a new card with a new card number and security code. Replacement cards typically arrive within 3 to 10 business days, though some issuers may offer expedited delivery. Once the new card arrives and is activated, securely dispose of the old, damaged card by cutting through the chip and magnetic stripe, then discarding the pieces in separate bins. For metal cards, contact your issuer as they often provide specific return envelopes for secure disposal.
Caring for Your Cards
To prevent future card damage, adopting careful habits is beneficial. Always make it a routine to check all pockets thoroughly before putting clothes into the laundry. This simple step can prevent many accidental washes.
When not in use, store your credit cards in a secure, dry place, such as a dedicated wallet slot, a card protector sleeve, or a safe. Avoid leaving cards in direct sunlight or in places exposed to extreme temperatures, as high heat can warp the plastic. Handling your cards gently and avoiding excessive bending or scratching can also prolong their lifespan.