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Questions About Metal Cards

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Angko
Regular Contributor

Questions About Metal Cards

I heard that CSP and United Mileage Club cards are metal and don't have raised numbers unlike the traditional plastic cards. If a credit card terminal is offline, can an imprinting machine take these card. Can an ATM take these cards? And once it reaches its expiration date, how do you cut it in half? Just curious as I don't have one yet. Smiley Happy



Current MyFico Scores as of Dec 2013: Fico EQ: 768 | Fico EX: 775 | Fico TU: 744
*** CSP: 5000 | BoA MC: 6400 | BoA Travel Rewards: 5000 | City TYP: 6500 | Discover IT: 7800 | Amex BSP: 6000 | Amex PRG: NPSL | Macys: 1500 ***
Message 1 of 26
25 REPLIES 25
CreditScholar
Valued Contributor

Re: Questions About Metal Cards


@Angko wrote:

I heard that CSP and United Mileage Club cards are metal and don't have raised numbers unlike the traditional plastic cards. If a credit card terminal is offline, can an imprinting machine take these card. Can an ATM take these cards? And once it reaches its expiration date, how do you cut it in half? Just curious as I don't have one yet. Smiley Happy


1. No, they can't be imprinted as far as I know. The non-raised numbers was designed with several fraud issues in mind, and I'm pretty sure this is one of them.

 

2. Yes, ATMs can take these cards.

 

3. You can't cut them in half, and even a blowtorch won't destroy them. When your cards expire, you're sent return envelopes in the mail. You then send those cards back to the issuing bank.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Message 2 of 26
Angko
Regular Contributor

Re: Questions About Metal Cards

Wow! Thanks for the info. Thinking of applying sometime next month. Just waiting for my util ratio to report on my CRA (< 9%). Thanks CScholar!!!



Current MyFico Scores as of Dec 2013: Fico EQ: 768 | Fico EX: 775 | Fico TU: 744
*** CSP: 5000 | BoA MC: 6400 | BoA Travel Rewards: 5000 | City TYP: 6500 | Discover IT: 7800 | Amex BSP: 6000 | Amex PRG: NPSL | Macys: 1500 ***
Message 3 of 26
scenery_guy
Established Contributor

Re: Questions About Metal Cards


@CreditScholar wrote:

@Angko wrote:

I heard that CSP and United Mileage Club cards are metal and don't have raised numbers unlike the traditional plastic cards. If a credit card terminal is offline, can an imprinting machine take these card. Can an ATM take these cards? And once it reaches its expiration date, how do you cut it in half? Just curious as I don't have one yet. Smiley Happy


1. No, they can't be imprinted as far as I know. The non-raised numbers was designed with several fraud issues in mind, and I'm pretty sure this is one of them.

 

2. Yes, ATMs can take these cards.

 

3. You can't cut them in half, and even a blowtorch won't destroy them. When your cards expire, you're sent return envelopes in the mail. You then send those cards back to the issuing bank.


Ha! I'm a fabricator of sorts and I can promise you I have dozens of ways to cut my CSP in half and a simple pair of hardware store aviation snips would work well. It wouldn't last a second under the flame of an acetylene torch or a plasma cutter. FWIW we don't call them blowtorches anymore. 

Message 4 of 26
CreditScholar
Valued Contributor

Re: Questions About Metal Cards


@scenery_guy wrote:

@CreditScholar wrote:

@Angko wrote:

I heard that CSP and United Mileage Club cards are metal and don't have raised numbers unlike the traditional plastic cards. If a credit card terminal is offline, can an imprinting machine take these card. Can an ATM take these cards? And once it reaches its expiration date, how do you cut it in half? Just curious as I don't have one yet. Smiley Happy


1. No, they can't be imprinted as far as I know. The non-raised numbers was designed with several fraud issues in mind, and I'm pretty sure this is one of them.

 

2. Yes, ATMs can take these cards.

 

3. You can't cut them in half, and even a blowtorch won't destroy them. When your cards expire, you're sent return envelopes in the mail. You then send those cards back to the issuing bank.


Ha! I'm a fabricator of sorts and I can promise you I have dozens of ways to cut my CSP in half and a simple pair of hardware store aviation snips would work well. It wouldn't last a second under the flame of an acetylene torch or a plasma cutter. FWIW we don't call them blowtorches anymore. 


That's good to know! I was reading a blog where a guy tried to destroy his that way, and there was a picture of the aluminum layer underneath with all of the plastic gone. Of course I'm guessing he isn't a professional like you are, so you probably have many more ways to destroy that thing.

 

It's like the old saying "there's more than one way to skin a cat".

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Message 5 of 26
Angko
Regular Contributor

Re: Questions About Metal Cards

Or maybe just put the card in a glass of H2SO4 until it melts. Haha!



Current MyFico Scores as of Dec 2013: Fico EQ: 768 | Fico EX: 775 | Fico TU: 744
*** CSP: 5000 | BoA MC: 6400 | BoA Travel Rewards: 5000 | City TYP: 6500 | Discover IT: 7800 | Amex BSP: 6000 | Amex PRG: NPSL | Macys: 1500 ***
Message 6 of 26
Laugh
Frequent Contributor

Re: Questions About Metal Cards

I received my CSP with the numbers raised. 

Cards: CSP 6k, Chase Freedom 6k, BCP 7.5k, Sallie Mae 8.9k, Discover 5k, BOFA Better Rewards 3.8k
Message 7 of 26
Angko
Regular Contributor

Re: Questions About Metal Cards


@Laugh wrote:

I received my CSP with the numbers raised. 


Hhhmmm, are there 2 versions of CSP? Plastic and Metal?



Current MyFico Scores as of Dec 2013: Fico EQ: 768 | Fico EX: 775 | Fico TU: 744
*** CSP: 5000 | BoA MC: 6400 | BoA Travel Rewards: 5000 | City TYP: 6500 | Discover IT: 7800 | Amex BSP: 6000 | Amex PRG: NPSL | Macys: 1500 ***
Message 8 of 26
OnTheRebound
Established Contributor

Re: Questions About Metal Cards

Take my word for it, I can cut it into hundred pieces, even if it was an inch thick with minimal effort. Being a credit card, the thickness, 1/32 inch, 0.76 mm, .0300 inch (I just measured my plastic Freedom. The metal ones may be thicker, I don't know) a pair of heavy duty scissors will do the trick, if not, then tin snips for sure.

Amex BCE $11.1 / Citi Diamond Preferred WMC $12K / Citi Double Cash WMC $3.8K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / AU- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / GE Lowes $10K
myFico Scores on 10/03/2014
Eq 798 / Exp 811 / Trans 814
CCT Fico 08 on 1/3/16 - Trans 786 / Exp 793 / Eq 797
Message 9 of 26
Laugh
Frequent Contributor

Re: Questions About Metal Cards

I believe it always had a metal center which is sandwiched between two hard plastics. 

 

I think Chase raised the numbers because international vendors may still be imprinting cards.  

 

 

Cards: CSP 6k, Chase Freedom 6k, BCP 7.5k, Sallie Mae 8.9k, Discover 5k, BOFA Better Rewards 3.8k
Message 10 of 26
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