Everything you charge on your credit card is listed on your account, so how can you keep your purchases private?
While your credit card statement can be a great way to keep track of your purchases, this can make it difficult if you’d rather keep some of your credit card purchases private. Let’s say you share a bank account with your partner or you look at each other’s statements to keep track of your expenses, but there are some purchases that you’d rather keep to yourself.
If you’ve ever found yourself in this situation, here we share insights from a discussion with a personal shopper to learn some clever tricks that she and her clients use to hide purchases from their partners.
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How can I hide my purchases?
One way to go about hiding your purchases is by using a cash or gift card. You can purchase these gift cards using your credit card and they basically serve the same function as a debit or prepaid card. The difference is that a gift card isn’t under your name, unlike a credit card, debit card or prepaid card. Just check to see if purchasing gift cards will be considered a credit card “purchase” or a “cash advance”, which could incur additional fees and charges. Another option is to use an online payment service such as PayPal.
If you’re looking to hide your purchases because you’re starting to rack up debt, you might want to consider a 0% purchase credit card to save on interest costs or a balance transfer credit card if you want to consolidate and pay off your debts once and for all.
While there are plenty of ways to hide your credit card purchases from your partner, honesty is still the best policy and masking some purchases from your significant other might only work in the short term. If you’re struggling to repay your debts on your credit card but don’t want to alarm your partner, get in touch with your card issuer as soon as possible to discuss your debt consolidation options.
How to make large purchases using a credit card
Clearing up credit card statement misconceptions
You might be self-conscious about your credit card spending, but it’s important to remember that as long as your purchases are legal and you make the minimum repayment every month, the bank doesn’t care how you’re using your card.
This is good to know, considering plenty of people use their credit cards for some embarrassing purchases. In an Australian survey conducted by finder.com.au in August 2016, 25% of Australian cardholders admitted to using their credit card to purchase sex toys online, 10% paying for pornography on plastic and 11% using their card for hygiene products. While these might be embarrassing for some, they’re perfectly legal so you shouldn’t have any insecurities about your bank seeing them on your statement.
Tips on how to hide your credit card purchases from your partner from personal shopper Sarah Donges
While honesty and transparency is usually the best policy, if you really want to hide your credit card purchases from your partner, we spoke to personal shopper Sarah Donges about some of the tricks people use to hide theirs.
At least 6 out of 10 of my clients physically hide their purchases from their partners.
Sarah Donges: personal shopper
As a Personal Shopper I shop all the time with a lot of different people. 80% of my clients are women and have come up with ingenious ways of hiding their purchases from their partners. For all those ladies reading this you will know what I mean.
On a day’s Personal Shopping trip, we have a lot to get in a short space of time. Very few of my clients use the one card. They might use their own credit card, a store card, some cash, joint account cash, joint account credit or we lay-by. Either way, we have a budget that we have worked out and will stick to, so how my clients purchase their items is completely up to them.
After shopping with hundreds of people I would like to share some of my favorite ways clients hide their purchases.
If its credit cards you prefer, then the right ones to look at for your next shopping adventure are low-interest rate credit cards and cards with a long term balance transfer offer. These allow you to avoid having to pay interest on your shopping purchases for the longest time possible. How do you hide your purchases from your partner? Leave a comment below and share your secrets with us.
This article was written by Sarah Donges who owns The Beauty Tutor – a Personal Styling and Personal Shopping business looking after men and women in Sydney, Melbourne, Brisbane and Canberra.Back to top