Credit cards are an excellent way to build credit and cover unexpected expenses, but they can also be a major source of temptation. If you are a frequent shopper or are experiencing financial difficulties, your credit card may be burning a hole in your pocket. To avoid overspending, freeze your credit card in ice to make it difficult to access and use. If you are concerned about your credit, you may want to consider freezing your credit or protecting yourself from credit card fraud.
Method 1 Freezing a Credit Card in Ice
1. Placing the card in a freezer-safe container is a good idea. You could use a plastic storage bag, a tupperware container, or even a cup. Choose an item that will either conceal your credit card number or is thick enough that it will not be visible through the ice.
If the number is visible through the ice, you might be tempted to use it for online shopping.
Before freezing, you could also cover the number with a paper towel or a small rag, but keep in mind that it will be submerged in water.
If you have a chip card, freezing it should not harm it.
2. Cover the card with water in the container. Your card must be completely submerged in water so that when it freezes, it will be completely covered in ice.
If your container, such as a plastic storage bag, has a seal, close it after you’ve added the water.
3. Place the container in the freezer and allow it to solidify. It may take several hours or even a day for the liquid to freeze solid. You’ll need to keep it in the freezer once it’s frozen.
Typically, you’ll want to keep it in its original container. However, if you need to use the plastic container for something else, you may be able to pop the ice block out. This is similar to removing ice cubes from a tray.
Method 2 Defrosting Your Frozen Credit Card
1. Take the frozen card out of the freezer. You must remove it from the freezer at least 6 hours before you require the card. Defrosting will take several hours, which is why the card was frozen in the first place. You can think about your purchase during this time.
If you are making an unplanned purchase, now is the time to consider how it will fit into your goals. Consider why you put the card in the freezer and whether this purchase is necessary. If it isn’t, you should return the card.
If you need to access your card quickly, you can speed up the process by immersing it in hot water. This method, however, will require more effort on your part because you will either need to run the water continuously over the ice or replace the hot water frequently because it will quickly cool due to the ice. Make sure you don’t burn yourself in the hot water.
2. Place the ice container or block on a towel or in a bowl. If the card is still in the container, a towel may be enough to catch the condensation. Using a bowl, on the other hand, ensures that all water runoff is collected inside a container.
3. Allow a few hours for the ice to melt. Most cards will be ready to use in a few hours, but defrosting will take at least 6 hours. Some people prefer to pull out their card the night before they intend to use it, giving it plenty of time to melt.
Again, now is the time to reconsider your purchase.
4. Before using your card, make sure it is completely dry. Remove your card and pour the water out of the container. Blot it dry gently with a clean towel. You can now pay with your credit card!
Method 3 Maintaining Your Account
1. If the balance on your card is zero, use it every six months. This will keep your account from being cancelled. If your card is inactive, the card issuer has the right to cancel your account. This could harm your credit and prevent you from obtaining an emergency credit card. A card with no balance must be used once every six months.
You don’t have to worry about inactivity if you have a balance on your card or have bills automatically charged to it.
2. Take your card out of the freezer at least 6 hours before you need it. It will take several hours for your card to defrost. Take it out as soon as possible to avoid having to postpone using the card because it isn’t ready. If freezing your card helps you avoid using it, you’ll want it to be out of the ice for as little time as possible.
3. Pay for a small purchase or regular household expenses. You don’t have to go on a shopping spree to keep your card active. Instead, just pay for a few small items or buy something you were going to buy anyway. As you spend, keep in mind that if you want your balance to remain at zero, you must pay the card in full.
Pay for your weekly groceries, for example.
Alternatively, you could time your defrost to coincide with a major purchase, such as replacing an appliance or purchasing a gift.
4. If you want, you can refreeze your card. After you’ve made your purchase, don’t keep your credit card in your wallet unless you’re ready to use it again. If freezing your card helps you stay on track with your goals, it should be returned to the freezer.
5. When the bill arrives, pay off the balance. If you want to keep your card balance at zero, you should pay the entire bill when it arrives. This will be easier if you limit your purchases to small, planned purchases.
Some people believe that paying off a balance gradually improves credit, but this is not the case. Paying off your credit card every month improves your credit score and allows you to avoid interest.
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