Not to mention, these stores don’t have a set inventory of specific brands and products so that means your partner will have no idea what you bought from those stores. “These stores sell just about everything, from toys to clothing to beauty supplies to home goods and even electronic accessories. “ Shop at a discount retailer like Homegoods or Marshalls,” offers Andrea Woroch, money-savings and family finance expert, and writer. Then your partner won’t have access to this card or even know it exists, making it easier to hide the purchases.” Of course, you’ll likely only want to consider this if you’ve been planning to open a new card in the first place. Stacey Caprio of Deals Scoop has a high spec suggestion for hiding your purchase: “One way to hide credit card holiday gift purchases from a partner is to open a new credit card using a different card provider just for the holiday season and purchase your gift using the new card. The statement will only state “PayPal” and no other details.” So since these purchases and payments aren’t directly being paid from the card, they won’t show up on your statement either. “You can send and receive money by just using your email address …it is even possible to pay businesses by taking money from either your credit card or from your checking account. Your credit card statement will show an Amazon gift card purchase rather than the actual gift you went for.”īradley Stevens, Business Coach and CEO at LLC Formations seconds Finder’s Paypal recommendation. Purchase an Amazon gift card through your credit card according to your budget and just use it up for whatever gift you want. “This might take a little more time, but it’ll be worth it. “ Amazon gift cards all the way,” says Janet Patterson, VP of Marketing Communications for Highway Title Loans and feature editor of its lending blog. We spoke to financial experts across a variety of fields to understand their approach to hiding those naughty or private purchases. Tips from the experts on how to hide your credit card purchases from your partner While this kind of purchase might be embarrassing for some, they’re perfectly legal so you shouldn’t have any insecurities about your bank seeing them on your statement. In fact, online shopping for sex toys grew greatly over the course of 2020, with some online retailers reporting a 30% increase in sales compared to the same period last year according to a report from the New York Times. This is good to know, considering plenty of people use their credit cards for some, let’s say, private purchases. You might be self-conscious about your credit card spending, but it’s important to remember that as long as your purchases are legal and you make at least the minimum repayment every month, the bank doesn’t care how you’re using your card. This ensures that only you (or those with your login information) can view your card history.Ĭlearing up credit card statement misconceptions If you’re more concerned with a nosy neighbor or sibling checking out your paper credit card statements, make the switch to electronic statements. This can help mask your surprise purchase by hiding the retailer you purchased from. Purchases you make through online payment services, such as PayPal or Google Pay will show up on your bank or credit card statement as the name of the payment service. But check to see if purchasing gift cards will be considered a credit card “purchase” or a “cash advance,” which could incur additional fees and charges. The difference is that a gift card isn’t under your name, unlike a credit card, debit card or prepaid card. You can purchase a gift card using your credit card and they basically serve the same function as a debit or prepaid card. But make sure to tuck your receipt somewhere safe in case you need it later. Cash is a reliable low-profile way of making purchases. If you really need to hide a purchase, such as when buying a gift or something highly personal, you do have a few options:
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