Carrying two debit cards with magnetic stripes in a single pocket can lead to demagnetization and unexpected card failures. Experts emphasize that magnetic stripe cards require careful handling, as they present more vulnerability than chip-enabled alternatives. In recent years the availability of new magnetic stripe debit cards from financial institutions has dwindled, with many issuers steering customers toward chip and contactless technologies. Nevertheless, a large number of magnetic stripe cards remain in everyday use, so users should treat them with special care to preserve their functionality and longevity.
The magnetic stripe wears down over time or can become unreadable if the card is not treated with care. Incidents such as accidentally washing a card with clothes or carrying it alongside metal objects like keys can contribute to malfunctions. Subtle deformations, including bending, can also reduce the stripe’s readability. These risks mean that everyday habits have a direct impact on how reliably the card can be read by payment terminals and in automated systems across retailers and banks.
Storage practices matter just as much as usage. Keeping magnetic stripe cards in the same pocket or bag as electronic devices can increase exposure to magnetic interference and electronic components that may affect performance. Heat exposure is another factor; prolonged direct sunlight or high summer temperatures can degrade the magnetic layer, potentially leading to slower reads or complete errors at the point of sale. For many people, the simplest precaution is to keep magnetic stripe cards separate from devices and metallic accessories when not in use, and to store them in a dry, cool place away from heat sources.
Historically, readers that relied on magnetic stripes were once common in payment networks. Today those readers are far less common, as most transactions are processed through more secure methods such as EMV chip verification and contactless payments. Still, when a card with a magnetic stripe is swiped, accuracy depends on the stripe reading clearly and consistently. Scratches or surface wear might happen, but they do not always prove that a card is faulty. A card can still work in some readers even with minor surface imperfections, while others may reject it. Understanding this distinction helps cardholders troubleshoot issues without panic.
Practical steps can reduce the risk of demagnetization. Store the card separately from keys, coins, and other metal objects. Avoid bending or flexing the card, and do not expose it to extreme heat or moisture. When possible, use readers that are designed to accommodate magnetic stripes and ensure the card is swiped smoothly rather than dragged. If a magnetic stripe card begins to fail, customers should contact their issuing bank or financial institution for guidance on replacement options or for converting to a more modern payment method that uses a chip or contactless technology. These updates often come at no extra cost to the user and can improve overall reliability at the point of sale. This approach aligns with ongoing efforts by financial authorities to promote secure, resilient payment methods that balance convenience with protection against fraud and read errors.
Ultimately, awareness about the limitations of magnetic stripe cards helps users choose safer habits and adopt newer technologies where available. The goal is to minimize the chance of card malfunctions during routine purchases and to ensure that cardholders can complete transactions quickly and securely when needed. By understanding the real-world behavior of magnetic stripes and keeping best practices in mind, users can protect their payment tools and enjoy smoother financial interactions in daily life.
In summary, while magnetic stripe debit cards are gradually being replaced by more durable technologies, they remain present in many wallets. Careful handling, mindful storage, and an openness to newer payment methods contribute to a more reliable experience and reduce the likelihood of unexpected card failures when money moves from consumer to retailer.
Rossiyskaya Gazeta reports insights from Olga Daineko, a specialist at the Research Institute of Financial Sciences of the Ministry of Finance and the consumer portal MoiFinance.rf. Her observations highlight the practical realities of demagnetization risks and the importance of adopting safer handling practices in everyday financial life.