USA   |   UK   |   Australia   |   Canada

Wife finds another woman's credit card under bed


To Her Credit
To Her Credit, Sally Herigstad
Sally Herigstad is a certified public accountant and the author of "Help! I Can't Pay My Bills: Surviving a Financial Crisis" (St. Martin's Press, 2006). She writes "To Her Credit," a weekly reader Q&A column about issues involving women, credit and debt, for, and also writes regularly for MSN Money, and, and has guested on Martha Stewart Radio and other programs. See her website for more personal finance tips and free budgeting worksheets.
Ask Sally a question, or read her previous answers in the To Her Credit archive

Dear To Her Credit,
I've found another woman's credit card under my bed, and I want to know who to give it to. My other half says there's no other woman. I know the area where the card was issued from, but that's all.   -- Raine


Dear Raine,
Your question leaves me with more questions. Why do you think a credit card was under your bed? How do you know where the card was issued from? Are you sure that if you find this woman, all you'll do is hand her the card?

There could be a perfectly reasonable explanation for a credit card under your bed ... maybe. Do you have a cleaning service? Someone vacuuming or making your bed could easily drop something. How about small children, who may find a pretty card enticing? If you live in a furnished apartment, maybe it was there before you moved in. Or maybe the dog did it.

Regardless of how another woman's card found its way under your bed, you have three basic choices. You can try to contact her, you can call the number on the back of the card or you can destroy the card and ignore it.

I'm sure you've already looked in the phone book and on Facebook for this woman's name. You may be tempted to start calling or sending messages. I'd be hesitant to do so, however. I'd especially be reluctant to start off a conversation with, "Oh, I found your credit card under my bed." Awkward.

A bigger problem than awkwardness is that you can't be sure you've found the right card owner. Very few people have a unique name. If you send the card to the wrong person, it could be used fraudulently. That only makes things worse.

Another problem is that if the card was used by someone other than the owner before it found its way under your bed, reporting the card to the owner could make them suspect you.

The safest thing to do is to simply call the number on the back of the card and notify the credit card company that the card has been lost. The bank can easily notify the cardholder and send them a new card, if they haven't done so already. Replacing lost cards is a matter of routine, and the woman should have a new card within a couple of days.

If what you really want is to find the owner of the card and ask her what she and/or her card were doing in your bedroom, I'm afraid neither I nor the bank can help you. Privacy laws prevent the bank from telling you anymore the name you already know about the card.

Unless you clean under the bed more often than I do, it's hard to tell how long the card has been there. It may have been long since canceled. Under the circumstances, a good shredder might be the best solution. Destroy the card, and then forget it.

See related: What to do when you find a lost credit card, You found someone's debit card. Do you pick it up?

Meet's reader Q&A experts
Vexed by a personal finance problem?'s Q&A experts answer questions from readers every weekday. Ask a question, or click on any expert to see their previous answers.
Sally Herigstad, To Her Credit columnist Sally Herigstad,
"To Her Credit"
Tony Mecia, Cashing In columnist Tony Mecia,
"Cashing In"
Barry Paperno, Speaking of Credit columnist Barry Paperno,
"Speaking of Credit"
Elaine Pofeldt, Your Business Credit columnist Elaine Pofeldt,
"Your Business Credit"
Erica Sandberg, Opening Credits columnist Erica Sandberg,
"Opening Credits"
Kevin Weeks,  Credit Wise columnist Kevin Weeks,
"Credit Wise"

Published: February 7, 2014

Join the discussion

We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers. Anything you post may be disclosed, published, transmitted or reused.

If you are commenting using a Facebook account, your profile information may be displayed with your comment depending on your privacy settings. By leaving the 'Post to Facebook' box selected, your comment will be published to your Facebook profile in addition to the space below.

The editorial content on is not sponsored by any bank or credit card issuer. The journalists in the editorial department are separate from the company's business operations. The comments posted below are not provided, reviewed or approved by any company mentioned in our editorial content. Additionally, any companies mentioned in the content do not assume responsibility to ensure that all posts and/or questions are answered.

Three most recent To Her Credit stories:

Share This Story

Follow Us!

Credit Card Rate Report

Updated: 03-30-2015

National Average 14.90%
Low Interest 11.62%
Business 12.85%
Student 13.14%
Balance Transfer 14.04%
Reward 15.04%
Airline 15.10%
Cash Back 15.28%
Instant Approval 17.93%
Bad Credit 22.48%