How to hide your naughty purchases made on your credit card

Information verified correct on September 29th, 2016
girl online shopping

Confessions of a personal shopper

The insider tricks to hiding naughty credit card purchases

Credit cards can be a double edged sword. On the one hand, if you use them for all your spending, you can keep track of how much you spent, on what and where. On the other hand, a record of all your purchases and how much you paid for each can come back to bite you.

If your partner reads your credit card statement like your last rites, the following article may be of use. We spoke to a personal shopper and found out some of the tricks her client’s use to hide purchases from their partners.

The bank doesn’t care how you use your card, as long as it’s legal and you pay them back.

We should clear up a misconception, your bank or card provider doesn’t actually care what purchases you make on your credit card – provided that it’s legal, and you pay back at least the minimum repayment each month, you can go nuts and buy whatever you want. Some seem to think that when they make a compromising purchase on their card – like pornography for instance – their bank judges them for it.

This has extended to things like marriage therapy and professional counselling too.

It’s been said that that the bank sees these types of transactions as a precursor for financial instability.

Some think that when these types of transactions show on a credit card account, their bank manager is sitting in his or her office with a frown passing judgement, ruing the day they ever allowed a customer with such risky spending to have a credit card. Not true. You can see this below by looking at the tweets with a bank.

TWITTER

A little more apt is the scorn one is likely to cop from their partner when making a purchase one can ill afford. The temptation to overspend is indicative of the dangers of credit.

So, if you’re someone who isn’t afraid to rack up a credit card bill, but worries about a loved one’s reaction when they see your credit card statement, we spoke to a personal shopper about some of the tricks people use to hide credit card purchases from their significant other.

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 days 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 favourite ways clients hide their purchases.

Firstly, we have Sally. A professional woman in need of a number of items in her wardrobe. Sally had been convincing her husband for years about what a fabulous shopper she is. Yes, every purchase made on our shopping day had to have the price crossed out and a new price written in. To mix up the hand writing I changed some, sales staff or Sally herself did it. This is truly ingenious!

It’s hard to name this person as it’s actually quite a few of my clients that do this. It’s called minimising. First thing that needs to go is shoes boxes, especially boot boxes! The fewer bags you have, the less you have spent. In theory I am there and completely understand where they are coming from. In reality though the number of items remains the same and the great thing is that they are all fabulous!

At least 6 out of 10 of my clients physically hide their purchases from their partners. Yes, check under the bed, in the wardrobe or in the car for shopping bags that are waiting to come out. A client of mine, Meg, explained that she hides items in her car, even if she bought it that day and her partner says that ‘he hadn’t seen that before it must be new’ Meg always replies, ‘you never notice anything I wear and I have had it for ages!’ Brilliant! That will stop the questions every time.

Then there is the fudging the truth a bit approach. You always round the cost of the item down for this. For instance a $49.95 instantly becomes ‘about $40?. Indeed it is ‘about $40?.

The majority of women will also instantly justify their purchase. A few great ones are that they paid $50 for it’ but it was the only one left in their size. They paid $50 for it but that it was reduced from $90. They paid $50 for it but they have been looking for it for ages. They paid $50 for it but it was an emergency. I love it!

If its credit cards you prefer, than the right ones to look at for your next shopping adventure are Low Interest Rate Credit Cards and cards with the Longest Balance Transfer Credit Cards – allowing you can avoid having to pay interest on your shopping purchases, for the longest time possible.

Some options to look at for your next shopping adventure are Low Interest Rate Credit Cards and cards with the Longest Balance Transfer Credit Cards – allowing you can 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.

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. To find out more details and to learn how to discover your own style, please visit The Beauty Tutor website – www.thebeautytutor.com

Compare credit cards with 0% interest for your purchases and extra credit card needs

Rates last updated September 29th, 2016.

NAB Qantas Rewards Card

Bonus points, purchase and balance transfer offers have been extended until 2 October 2016.

August 9th, 2016

NAB Velocity Rewards Card

10k bonus points and 0% p.a. for 15 months on purchases and balance transfers will end on 2 Oct 2016

August 9th, 2016

Citi Clear Platinum Card

Balance transfer and purchase offers have been extended.

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Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Go to site More info
NAB Low Fee Card
Get 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $30 p.a. Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Exclusive Offers to finder.com.au

Enjoy 0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 on purchases.

0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $30 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Earn Velocity Rewards points with your purchases and pay no interest with 0% p.a. for 12 months on purchases and 0% p.a. for 6 months on balance transfers.
0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 16 months, an introductory purchase rate of 1% p.a. for up to 12 months, plus a waived annual fee for the first year if applied by 11 October 2016.
1% p.a. for 12 months (reverts to 19.84% p.a.) 0% p.a. for 16 months $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info

If Sarah’s methods aren’t your thing, one way to go about hiding a naughty purchase is by using cash or a gift card. You can purchase these gift cards using your credit card and they are basically the same thing as a debit card or prepaid card. The difference is that your name has no connection with the card.

An increasingly popular way is to use a Virtual Credit Card.

Another option available is using online payment services such as PayPal. Some of the payment services may not provide money transfers and payments to businesses that seem risky.

Gift cards can be a good strategy if you are trying to figure out how to hide your credit card purchases. Cash works well too, if you’re not making a payment online.

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Credit Cards Comparison

Rates last updated September 29th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

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