How To Properly Disinfect Your Credit Cards

Washing off germs and other pathogens from your credit or debit cards should be a fundamental process for you to incorporate. It not only keeps you safe but also the others as well. The novel coronavirus has made a significant turn in our lifestyle. People can often get infected in such a scenario when there is no proper vaccination available for treatment. As the virus is airborne, it can contaminate through anything and a credit card can be the most viable vector of the virus.

To resist disease spreading and keep your credit cards clean, anyone should follow some specifics to contain contamination. Below lies some of the essential factors by the help of which you can disinfect your credit cards.

Tips to follow for keeping your credit cards clean

Cleaning a credit card is not at all a big issue. It takes less than a minute to clean it, but the actual thing lies in how you tend it. You can apply soap and water to a plastic credit card to disinfect it, but using pressure while cleaning the chip and the magnetic strip can damage your card. So, there are some factors one should keep in mind before cleaning a credit card. Some of the ways are given below.

Using cleaners while disinfecting

Credit cards and debit cards are mostly made up of plastics, but some are metal-coated. Using corrosive solutions can bring damage to a credit card. The cards are encrypted with chips and magnetic strips that may be reactive to many solutions, affecting their performance and purposes. So choosing disinfectant solutions that are water-based or have isopropyl alcohol within themselves are the best irrespective of the material. Cleaning the credit cards with a soft microfiber cloth before applying solution can be a good option for you, as it doesn’t allow dirt to stick to it. As the credit cards are sensitive to magnetic induction, choosing a suitable cleaning agent is crucial.

Using UV light for disinfecting

The use of UV light for disinfecting your credit cards is one of the best ways among many. Using UV light for disinfecting your credit card can clean your credit card at a cellular level. It is mainly because the UV lights have a wavelength of 400 to 10 nanometers. The photon particles can disrupt the bacterias’ genetic material and viruses, which resists them from further reproduction. You also have to keep in mind that a UV light is hazardous to human beings as well. It can cause skin ageing and severe eye damage. So, applying UV lights to bare skin for disinfecting credit cards can be very harmful.

Taking care of the chip and magnetic strip

The magnetic stripe and the chip are the two most sensitive parts of a credit card. The whole process of transaction and security lies on those parts of the credit card. All your information is recorded in a band on the magnetic strip of your card. Your credit card’s encryption lies on the card’s chip. So, before cleaning the card, using soft material to avoid scratch and handling it with a delicate touch is necessary. Applying solutions on the dirt over your magnetic strip can lower the performance of the credit card. It is because it could stick the dirt on your magnetic strip. Applying eraser after wiping off the dirt over the strip with a clean cloth can be a good practice to remove the dirt at first before disinfecting it with cleansing agents.

After washing your credit card thoroughly, it is essential to clean up your hands too. If the germs and bacteria are not dead at a cellular level, it could also rest on your hands. So the whole point of cleaning the credit card is useless if you don’t clean yourself after the process. 

With the increase of coronavirus infection, contactless transactions are more favoured everywhere than buying with cash. Online shops and selective offline retailers are now encouraging to pay them offline to resist against the corona outbreak effect. Thus, the contamination due to credit cards containing bacteria and viruses is less because most people will avail the online payment process rather than using credit cards. Apart from that, cleaning your credit card and maintaining them should be practised as it is the most practical way to avoid contamination. As we all have become extra concerned in hygiene during this time like washing our hands and wearing masks, incorporating the habit of cleaning our credit cards and other valuables will be good practice for us.