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When the magnetic data strip on the back of a credit comes in contact with any independent magnetic force, the card becomes demagnetized and essentially unreadable. Becoming familiar with common causes of credit card demagnetization can help avoid this situation and, potentially, embarrassment at a sales counter.
Causes
Because data is arranged as microscopic magnetic particles on any credit card's back strip, any exposure of the particles to an external magnet will disrupt the information. The card will then become unreadable.
Effects
All data, such as user ID, card issuer identification and credit balance, are stored on a credit card's magnetic strip. If the card is demagnetized, all this information is lost.
Misconceptions
Some people rub their credit card against their shirt or re-swipe the card once enclosed in a plastic bag in an attempt to resuscitate a seemingly demagnetized card. If any of these methods do work, the card was not demagnetized, just simply dirty or smudged. Demagnetized cards cannot be fixed, only replaced.
Preventions
Avoid magnets with a strong charge. Never leave a credit card near store security deactivators, wallet and/or purse magnets, refrigerator doors or any large magnetic equipment, such as an MRI machine.
Tip
One way to use credit card demagnetization in your favor is to purposefully demagnetize an old or unused card before you throw it away. This will defend against anyone else finding your card and downloading any stored data.
Source:
CreditCards.com: How Magnets Can Ruin Credit Cards; Jennifer Acosta Scott
CrediCard.com: Licking, plastic bagging and other credit card secrets; Jay MacDonald
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