How to hide naughty purchases made on your credit card | finder.com
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How to hide your naughty purchases made on your credit card

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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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  • Unlimited 1.5% cash back on your purchases.
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  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
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Updated January 24th, 2019
Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0 annual fee for the first year ($95 thereafter)
18.24% to 25.24% variable

N/A

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$95
15.24% to 26.24% variable
0% for the first 12 months (then 15.24% to 26.24% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
$450
19.24% to 26.24% variable

N/A

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$550
None (Charge Card)

N/A

Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
$0
14.24% variable
0% for the first 15 billing cycles (then 14.24% variable)
A low, variable APR on purchases, balance transfers and cash advances.
$0 annual fee for the first year ($89 thereafter)
18.24%, 22.24% or 25.24% variable
0% for the first 12 billing cycles (then 18.24%, 22.24% or 25.24% variable)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
$0 annual fee for the first year ($95 thereafter)
17.99% to 26.99% variable

N/A

30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
$0
17.99% to 26.99% variable

N/A

Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
$95
17.99% to 26.99% variable

N/A

Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
$0
17.99% to 26.99% variable

N/A

Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
$0
15.24%, 19.24% or 25.24% variable
0% for the first 15 months (then 15.24%, 19.24% or 25.24% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
13.24%, 17.24% or 21.24% variable
0% for the first 18 months (then 13.24%, 17.24% or 21.24% variable)
A 18 months 0%% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
$0
16.24% to 22.24% variable
1.99% for the first 6 monthly billing cycles (then 16.24% to 22.24% variable)
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
$0 annual fee for the first year ($95 thereafter)
17.99% to 26.99% variable

N/A

75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months from account opening. Rates & Fees
$495
17.24% variable
0% for the first 15 billing cycles (then 17.24% variable)
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
$195
17.24% variable
0% for the first 15 billing cycles (then 17.24% variable)
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
$995
17.24% variable
0% for the first 15 billing cycles (then 17.24% variable)
Earn 1x points when redeemed for airfare through the Luxury rewards program.
$75 annual fee for the first year ($48 thereafter)
See terms*

N/A

The First Access Card is a true Visa® credit card that does not require perfect credit for approval.
$0 to $99
19.99% to 25.99% variable

N/A

Get 1% cash back rewards on eligible purchases.
Up to
19.99% to 25.99% variable

N/A

Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV.
$0 to $99
19.99% to 25.99% variable

N/A

Get 2x cash back rewards at the NASCAR.com Superstore.
$0 to $99
23.9% fixed

N/A

The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
$48
9.99% fixed

N/A

This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
$35
19.14% variable

N/A

A secured Visa® credit card that helps you build your credit quickly.
$39
14.49% variable

N/A

No minimum credit score and no credit history required.
$49
10.49% variable

N/A

Build or rebuild your credit with this secured card.

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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.

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2 Responses

  1. Default Gravatar
    FeMarch 20, 2018

    How can I hide the balance on my bank statements?

    • finder Customer Care
      RonMarch 24, 2018Staff

      Hello Fe,

      Good day! Appreciate you contacting finder regarding your inquiry today.

      Generally, information reflected on your bank statement cannot be altered as it records all your transactions and documents cannot be simply changed. This is why this page you have accessed only discusses a comprehensive guide and tips on how one can hide credit card purchases either by using other modes of payment or by hiding it physically. It would be best if you directly speak with your bank to generally inquire on how to go about it as they may have some exceptions in relation to hiding the balance from your bank statements.

      Hope this helps!

      All the best,
      Ron

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