How to Fix a Cracked Credit Card

Credit cards are a convenient tool for making and receiving payments. They also offer the convenience of having their own account number, which means that you can use them to save money or make purchases without carrying cash with you. Unfortunately, sometimes credit cards get cracked, and it becomes a hassle for the users. SO we are going to discuss a technique on how to fix a cracked credit card . First of all, you will need to contact your credit card company. They will be able to help you determine whether your card has been damaged by heat or if the plastic is simply cracked.

How to Fix a Cracked Credit Card

How Credit Cards Gets Cracked?

With all of the things that a credit card can do these days, from earning miles and points to paying for purchases and even opening doors to exclusive savings offers, it’s easy to see why so many people love them. While not everyone properly uses their cards and always pays off every balance by the due date each month, credit cards themselves are very reliable because they have become heavily guarded pieces of plastic made from laminated materials resistant to physical damage or demagnetization through everyday handling. There is one major exception when cracking a credit card: dropping it on hard surfaces.

The number one cause of cracked credit cards is when someone drops their wallet or purse containing several different items onto a tile floor or another hard surface. Other common reasons for cracked credit cards include: getting caught in a door, purse-snatching, leaving your wallet or purse on the back seat of your car, and returning to find it stolen by someone who broke a window and, unfortunately, even freezing.

How to Prevent Credit Card From Cracking?

Whether you are one of the many people who have ever cracked a credit card or you see yourself as being too careful with money ever to do so, here are some steps that can be taken this very moment to prevent any further damage from occurring to your card(s).

  • Check for signs of cracking right away.   Take every single credit card out of your wallet and go through them one by one, looking closely at their fronts and backs at both ends (top and bottom) of the card to check for any signs of cracking.  
  • If a card is cracked, remove it from your wallet immediately and apply some common sense.
  • If you don’t think it can be saved, contact the bank that issued the card directly by phone or online and tell them what happened to their credit card. Ask if they will send out a replacement because you already need one to operate, including paying for gas (if filling up at a station), food, buying clothing, books, or other items that require using an ATM linked via Visa or MasterCard network.
  • Then, Always use Polycarbonate/hard plastic-type of cards, those made with soft material will easily fall apart and tear if they get cracked.
  • Try to keep them away from water and other elements like sand storms, hot temperatures, etc.
Broken Credit Card

How to Fix a Cracked Credit Card

When a credit card cracks its surface because of the long time you carry it together with keys in your wallet or pocket and being subjected to various wear-and-tear conditions, it may no longer function properly. Instead of throwing away your cracked credit card, there are ways on how to fix a broken credit card instead so you can still use it. Cut a strip of black duct tape that is long enough to cover the crack from one end to the other. Make sure that the strip is big enough to also cover a portion of the side where the crack begins and ends.

Originally, credit cards are made of PVC and other synthetic plastics durable enough to last a lifetime. But today’s credit cards are instead made from plastic polymers that can crack easily because they have less flexibility when compared with the older ones. Some of the factors why cracked credit card happens to include:

Step 1:

Place the cracked side over the book or table as shown in image one while keeping the other side up. This will make it easier for you to find the crack and stick the putty evenly. Take out a piece of putty from the container, as small as possible. Now start placing this putty in the crack. Use your thumb and index finger for creating even pressure on either side of the putty. Now gently start pulling the cracked part.

Step 2:

Using your fingers, spread a generous amount of epoxy glue on the broken area as shown in image two while covering the entire plastic surface. Be careful not to use too much glue, or else it’ll overflow when pressed together with another side. If you’ve done so, wipe off the excess glue using your fingers gently by running it from one corner to another until all visible patches are totally removed. 

Step 3:

Place the other side down as shown in image three, then firmly press them against each other using something flat like a book with enough thickness but light enough to handle. This is what you should do if your card has a chip embedded in it. Turn the credit card over, place the other side down as shown in image three, then firmly press them against each other using something flat like a book with enough thickness but light enough to handle. This is what you should do if your card has a chip embedded in it.

Step 4:

After 24 hours of the epoxy glue dry, you can use your credit card again by taking out whatever amount is needed from the ATM or using it as payment when buying something online.

Gluing credit card

If these methods don’t work for you, you can always opt to send it back to its manufacturer, who will likely replace it with a new one free of charge if they find out that cracking is already due to manufacturing defect and not due to mishandling on your part.

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Precautions While Fixing a Cracked Credit Card

You must carry out the following safety measures while fixing a cracked credit card:

A minor crack in your credit card should be treated with caution. While small cracks may not seem like much of a problem, they make it easier to steal information stored on the microchip embedded within.

If there are signs of significant damage caused by heat or chemicals, then your Credit card will have to be replaced as the chip has likely been damaged and cannot be repaired properly.

Use an old toothbrush or Q-tips to gently remove dirt from underneath the surface of your cracked plastic card. This is important because, without proper cleaning, there is a risk that paint will not stick effectively during reattachment. If this occurs, then the crack could worsen over time.

Immediately clean the area around the crack using soap and water or rubbing alcohol to prevent dirt from spreading further on your credit card surface. It is also a good idea to keep some cleaning wipes in your wallet, so they are readily available in case of an emergency.

Ensure that you wash all of the soapy residues off completely with warm water before drying with a dry cloth. This will help ensure that PVA glues stick properly after painting over the cracks.

Frequently Asked Questions

Will My Card Still Work if Its Cracked?

There is no definite answer as to whether or not a card will still work if it’s cracked. However, most credit card companies will usually allow you to use the card if there are small cracks in the plastic. However, if the crack is large enough, the card may be rejected, and you would need to get a new one.

Can You Pay Someone to Fix Your Credit?

Yes, you can pay someone to fix your credit. Several companies offer this service, and the cost will vary depending on the severity of the issue.

Some companies that offer credit repair services include Credit Karma, Credit Sesame, and FixMyCredit. These companies will help you to identify any issues with your credit score, debt levels, and credit history. They will then work to fix these issues to improve your credit rating.

You Can Pay Someone to Fix Your Credit

Will a Credit Card Work if Cut in Half?

No, a credit card will not work if it is cut in half. Credit cards are designed to be inserted into a card reader, and the magnetic strip on the back of the card is used to process payments. If the card was cut in half, only one-half of the card would work, and the other half would be useless.

What Can Cause a Credit Card Chip to Stop Working?

A few things can cause a credit card chip to stop working.

The most common reason is when the card is dropped or mishandled. If this happens, the chip can be damaged and need to be replaced.

Another common cause of a credit card chip stopping working is when water gets inside the card and damages the chip. This can happen if you spill water on the card, submerge the card in water, or accidentally drop the card in water.

If your credit card has a magnetic stripe, it may also stop working if there’s excessive wear and tear on the strip. This can happen if you carry your cards in your wallet or purse with lots of other metal objects or constantly swipe your cards at once instead of waiting for the animation to finish before swiping again.

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Craked credit cards can always be a risk for the user. So we hope that the process we have described here will surely help fix the cracked credit card. Thank you, and  have a good day

You may read also: How to Fix a Demagnetized Card

Jennifer Branett
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