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Expired cards

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What do you do with your expired debit/credit cards - keep/collect or shred/destroy/cut?
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  • pmduk
    pmduk Posts: 10,682 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Destroy them by cutting into many pieces
  • G_M
    G_M Posts: 51,977 Forumite
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    pmduk wrote: »
    Destroy them by cutting into many pieces
    and dispose of each bit in a different location
  • djpailo
    djpailo Posts: 551 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    I destroy them by cutting it off into 4 pieces and then throwing them away at different locations. There is no purpose of keeping them.

    I would like to know what happens if you purchase train tickets with a card, it goes out of date, would you use the old or new card to collect the tickets? Same with refunds, though with refunds I think you can use the new card.
  • We have a woodburning stove which deals with them very effectively lol.
  • grumbler
    grumbler Posts: 58,629 Forumite
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    book12 wrote: »
    What do you do with your expired debit/credit cards - keep/collect or shred/destroy/cut?
    Does any replacement card not come with a letter clearly saying what to do with the old one?

    I'd be very surprised if your letter advise you to collect them.
  • HappyMJ
    HappyMJ Posts: 21,115 Forumite
    10,000 Posts Combo Breaker
    book12 wrote: »
    What do you do with your expired debit/credit cards - keep/collect or shred/destroy/cut?

    If the old card hasn't expired yet I make sure I destroy it so it cannot be reassembled and used again. If it's expired then it can't be used anyway so I'll just cut it in half ensuring I cut through the chip and throw it out. If the account has been closed I do seem to collect them. I must get around to destroying them some time.
    :footie:
    :p Regular savers earn 6% interest (HSBC, First Direct, M&S) :p Loans cost 2.9% per year (Nationwide) = FREE money. :p
  • pmduk
    pmduk Posts: 10,682 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    djpailo wrote: »

    I would like to know what happens if you purchase train tickets with a card, it goes out of date, would you use the old or new card to collect the tickets? Same with refunds, though with refunds I think you can use the new card.

    As long as you save the collection reference I've been told you can use any bank card to collect the tickets
  • GingerBob_3
    GingerBob_3 Posts: 3,659 Forumite
    book12 wrote: »
    What do you do with your expired debit/credit cards - keep/collect or shred/destroy/cut?


    I keep them. I've currently got a collection of several hundred. Mad or what?
  • Westie983
    Westie983 Posts: 5,215 Forumite
    Tenth Anniversary 1,000 Posts I've been Money Tipped! Name Dropper
    djpailo wrote: »
    I would like to know what happens if you purchase train tickets with a card, it goes out of date, would you use the old or new card to collect the tickets? Same with refunds, though with refunds I think you can use the new card.

    You just need to use a card with a magnetic stripe, It doesnt have to be the card you paid on, I have used whatever card comes out of my purse first. it works even with store cards.

    you just need the collection reference to actually get the ticket.
    I’m a Forum Ambassador and I support the Forum Team on the Banking & Borrowing, and Reduce Debt & Boost Income boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySaving Expert.
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  • djpailo
    djpailo Posts: 551 Forumite
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    Westie983 wrote: »
    You just need to use a card with a magnetic stripe, It doesnt have to be the card you paid on, I have used whatever card comes out of my purse first. it works even with store cards.

    you just need the collection reference to actually get the ticket.

    Cool. I've seen at some stations the collection reference wasn't enough, you needed to put the card in first. I'm not sure why it would be different for different stations though.
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