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

How to hide your naughty purchases made on your credit card

Everything you charge on your credit card is listed on your account, so how can you keep your purchases private?

We know that everyone's situation is unique and we aim to help you find the right product for you. We may receive compensation when you visit our partners' sites or are approved for their products. You can read more about how we maintain editorial independence and how we make money here.

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.

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.

Compare credit cards

Rates last updated April 22nd, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Deserve® Classic Card
Deserve® Classic Card
24.24% variable
$39
Designed to help build credit history with no deposit required and access to benefits.
Luxury Card Mastercard® Titanium Card™
16.49% variable
0% Intro APR for for the first 15 billing cycles (with whichever is greater: $5 or 3% balance transfer fee)
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Indigo® Platinum Mastercard® Credit Card
23.9% variable
$75 annual fee for the first year ($0 to $99 thereafter)
With this card you get a 23.9% variable APR.
Barclaycard Ring™ Mastercard®
10.49% variable
$0
A low, variable APR on purchases, balance transfers and cash advances.
Barclaycard Arrival Plus® World Elite Mastercard®
17.24%, 21.24% or 24.24% variable
0% Intro APR for 12 months (with whichever is greater: $5 or 3% balance transfer fee)
$0 annual fee for the first year ($89 thereafter)
Enjoy 40000
bonus miles after you spend on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase.
Credit One Bank® Visa® with Free Credit Score Tracking
19.15% - 25.24% Variable
$0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
Credit One Bank® Unsecured Platinum Visa®
19.15% - 25.24% variable
$0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
Give your credit a boost with credit line increase opportunities, a fee may apply.
The First Access VISA® Credit Card
29.99% variable
$75.00 for first year. After that, $48.00 annually.
Access credit even if you have poor or limited credit history.
Simmons Bank Visa® Platinum
9.50% variable
$0
The Simmons Bank Visa® Platinum Card offers multiple perks, including one of the lowest available APRs on the market.
Credit One Bank® Unsecured Visa® with Free Credit Score Tracking
19.15% - 25.24% variable
$0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
Get 1% cash back rewards on eligible purchase, terms apply.
Simmons Bank Visa® Platinum Rewards
11.50% variable
$0
Excellent Credit Required - Applicants that do not have excellent credit will not be approved

Compare up to 4 providers

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
Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

2 Responses

  1. Default Gravatar
    FeMarch 20, 2018

    How can I hide the balance on my bank statements?

    • Staff
      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

US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.24
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.49
variable

Annual fee

0 For the first year
More info
The First Access VISA® Credit Card
The First Access VISA® Credit Card

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
Go to site