Credit cards have almost become a necessity, and we now have several in our wallets in case you’ve reached your credit limit on one and forgot to pay. With metal or plastic card options, most people prefer metal credit cards because of their prestige. Also, if you keep forgetting to empty your pockets when loading the washing machine, a metal card is what you need. However, time will pass and the expiration date will hit the door. Disposing of the card doesn’t have to be a hassle because here’s how to destroy a metallic credit card.
Return to Issuer by mail
Most credit card companies are more than happy to save you the stress of wondering what to do with your old credit card. So when you mail in your new metallic credit card, they also include a prepaid postage envelope to return once it needs to be replaced. Major banks like American Express and Chase offer this option, giving customers peace of mind knowing that their credit card information will not be compromised. These issuers then recycle or properly dispose of on behalf of customers and ship their replacement cards to them. It is quite a comfortable way since you don’t even have to move from where you are.
Physically leave it in the bank
We all know someone who is afraid of breakthroughs and prefers to do everything on their own to avoid being scammed. If you fall into this category, the issuing banks have you back because you don’t have to worry about your old credit card not reaching its destination. Instead, you can ensure that you have reached the intended recipient by going to the nearest issuing bank and dropping off. However, you should be aware that not all banks offer this option to their customers; therefore, always ask the representatives at the customer service desk before making that trip. If your local bank offers this option, you can leave the credit card behind, and according to Business Insider, a local bank will accept the old metal credit card if it has a corporate office that can properly dispose of it for you.
Metal credit cards are not that different from plastic cards; the only thing that distinguishes them is that metal cards have a thin piece of metal with two layers of plastic on each side. Consequently, destroying such a credit card involves peeling off the plastic sheeting from the edges where the glue is easy to peel off and gently pulling the layer until everything comes off. Once the plastic layers are removed, all that’s left is a thin piece of metal, so don’t be afraid that your credit card details will be exposed to hackers. However, if the metal has some information embossed, the following method will be more effective.
If you are not calm until you see that the card is in pieces, you better equip yourself with tin snips. According to credit cards, since tin scissors are like industrial scissors, you have a much better chance of destroying a metal credit card with them than with traditional kitchen or garden tools. Tin snips can easily cut the card into strips, rendering it useless for anyone thinking of stealing it.
Sometimes you don’t even have to think about taking a trip to the local bank, using your energy to cut metal, or even ordering postage-paid envelopes to send the old card to the issuer. If the card is no longer usable, why not keep it at home? It does not take up any space, and you will always be at peace, knowing that your information is not at risk of being exposed.
When do you need to destroy a credit card?
As with anything else, a metal credit card has an expiration date. Once the date passes, the card is no longer valid and no service provider will accept it as a paid use. Fortunately, most issuers don’t wait until your card expires to replace it; they keep the records up to date and you will most likely find the replacement in their mail a few months before the expiration date.
We can try as much as possible to be careful with our credit cards and prevent hackers from accessing them. Even companies that accept payments online have taken steps to protect customers, but sometimes hackers will circumvent the strictest measures and steal your information. Once you notice that the credit card has been compromised, …