Home > Identity Theft and Scams > Here’s Why You May Not Want to Customize Your Credit Card’s Design

Comments 0 Comments
Advertiser Disclosure


Many credit cards offer customers the option of personalizing their card design, with some even allowing people to have their own photos printed on the plastic. It’s kind of fun — every time you bring the card out of your wallet, you get to see a picture of your dog, kids or favorite vacation spot, rather than some generic bank design.

But just because it’s fun doesn’t necessarily mean it’s a good idea. Credit and debit cards already have your name on them, and the magnetic stripes on the back are full of data that thieves may be able to decode — a personal picture could give fraudsters even more information.

“I think the concept of putting anything personal on your credit card is nuts, frankly,” Adam Levin, identity theft expert and co-founder of Credit.com, said. “Why would you want to give anyone any additional pieces of information about your family or you?”

Levin gave a few examples: If your picture is on the card, a thief could match that to your name in an internet search to learn more about you. Pictures of families or specific locations could also help someone track you down online, or give hints to potential security-question answers.

Banks and credit card issuers that offer card personalization generally have guidelines for what sort of images aren’t allowed on cards, in addition to reserving the right to reject image submissions, but those policies may not protect you from oversharing. This isn’t to say all custom pictures put you at greater risk of becoming a victim of identity theft, but it’s certainly something to consider if you have the option of personalizing your credit or debit card design.

“It may make you feel warm and squishy until, God forbid, something happens,” Levin said. “Some people say I’m overly paranoid about this kind of stuff, but today, it pays to be paranoid.”

Identity theft is a common crime, so it’s a good idea to regularly monitor your online and financial accounts for unauthorized use, as well as check your credit reports for fraudulent activity. You can do that by getting your free annual credit reports at AnnualCreditReport.com as well as a free credit report summary, with updates every month, on Credit.com.

Image: Sjale

Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser's responsibility to ensure all posts and/or questions are answered.

Please note that our comments are moderated, so it may take a little time before you see them on the page. Thanks for your patience.

Credit.com receives compensation for the financial products and services advertised on this site if our users apply for and sign up for any of them.

Hello, Reader!

Thanks for checking out Credit.com. We hope you find the site and the journalism we produce useful. We wanted to take some time to tell you a bit about ourselves.

Our People

The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

Our Reporting

We take great pains to ensure that the articles, video and graphics you see on Credit.com are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,

The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

In addition to appearing on Credit.com, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of Credit.com in general and they result in more traffic to us as well.

Our Business Model

Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.

Your Stories

Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.

Thanks for stopping by.

- The Credit.com Editorial Team