Wife finds another woman's credit card under bed
To Her Credit
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 CreditCards.com, and also writes regularly for MSN Money, Interest.com and Bankrate.com, and has guested on Martha Stewart Radio and other programs. See her website SallyHerigstad.com
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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
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
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
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?
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Published: February 7, 2014