Frequently Asked Questions

Frequently Asked Questions and Answers


#1 Top question regarding “Replica Metal Credit Cards”

Review the information HERE


  1. What is What are you selling? is a new and unique manufacturer of custom metal credit cards, debit cards, and other kinds of payment card. Specifically, we upgrade your existing debit or credit card from plastic to metal—that’s it. If you ask your bank about the metal credit cards they may offer, be prepared to fill out a lengthy credit application, pay exorbitant yearly fees, or be turned down simply because you don’t earn the minimum yearly income (seriously). For those who wish to avoid that hassle and simply get their hands on a unique, luxury metal card NOW, is the best and fastest way to make that happen. Upgrade your charge card status with TODAY!  

  1. How safe is this process? GUARANTEES the SAFETY of this process or YOUR MONEY BACK!! All Transactions are SSL Secured and held to California BBB Standards. We require all clients to submit either a frozen/locked or unactivated plastic debit|credit card for maximum security during transport. We provide free shipping security envelopes with tracking to all clients within the United States. Lastly we offer a FREE comprehensive warranty; as well as an extended warranty that covers damaged, malfunctioning and or manufacture defects. As a veteran owned business we stand 100% behind our service.

locked debit credit card



  1. Is affiliated with my banking institution?

No, is not affiliated with any banking institutions. is a third-party company. We are similar in concept to custom check companies that make personalized checks (i.e., images bearing landscapes, cartoons, sports teams, Hello Kitty, etc.).  

  1. I want to place a custom card order. Which option best suits my needs?

On the menu bar, click on the “Order Now ”. Then click on the “Custom Engraved Personalized Card” option photo. Scroll down to choose the color of card you wish to customize. Begin your order by filling out Step 1 in the questionnaire.  

  1. What is your return policy?

You have 30 days from the original purchase date to return your standard metal card. After 30 days, all sales are final. Custom Engraved Metal Cards are non-refundable. Contact: for product return instructions.  

  1. I recently ordered a Custom Engraved Metal Card. What is my return policy? Does my purchase include a warranty?

Due to the nature of the approval process on all Custom Cards, sales of Custom Engraved Metal Cards are FINAL. However, each card includes a comprehensive warranty. Any issues with a Custom Engraved Metal Card will be handled on a case-by-case bases. assures that each client will be taken care of accordingly. prides itself in providing excellent customer service, ensuring that each client is satisfied with the result of their Custom Card.  

  1. What does my warranty cover?

Review the entire Warranty Policy HERE.   

  1. What if I lose my metal card? What do I do?

CONTACT YOUR BANK IMMEDIATELY. Treat the loss of your metal card as if you had lost your original, bank-issued card. We suggest contacting your bank immediately and discussing what options you have to protect yourself against fraud. NOTE: All banking institutions monitor member card activity via the 16-digit card number printed on the card—they do not monitor the plastic card itself. Thus, report your bank-issued card as lost or stolen, EVEN IF THE BANK-ISSUED CARD REMAINS IN YOUR POSSESSION. (Some banking institutions even provide real-time fraud alerts.) does not warranty lost or stolen metal cards.  

  1. What happens when my original, bank issued card expires?

Most debit and credit cards expire 2-5 years from date of issuance. Since your new metal card upgrade is based on your pre-existing bank-issued debit or credit card, both would expire at the same time. When you receive a new plastic credit or debit card from your banking institution, contact for a new upgrade. YOUR EXPIRED METAL CARD UPGRADE CANNOT BE RE-ENGRAVED OR REPROGRAMMED. Therefore, you will need to order a new metal card upgrade when you receive your updated plastic debit or credit card. Returning clients do qualify for a 20% discount; please contact customer service for the current discount code.

  1. I recently upgraded my card at but my bank just sent me a replacement. Do I have to make another purchase?

Life happens. If your bank issues you a replacement debit or credit card and your original purchase is within the first 6 months, we will warranty your purchase and replace your upgraded, metal card with the new, bank-issued card information. Contact to process a claim.  

  1. Every so often my bank will re-issue a debit or credit card if I have been shopping somewhere associated with fraud (Target, Walmart, Gas Station, etc.). I’d like to buy a metal card but I’m concerned about spending $200+ only to have it deactivated and unusable a few months down the line. How have you guys handled this issue with previous customers?

Within the last several years, has warrantied several clients who have experienced this situation. Any client experiencing a premature debit or credit card replacement due to fraud in the general market will be taken care of on a case-by-case basis. prides itself on providing the best customer service possible, so do not hesitate to contact our customer service team at to process a claim. Review our Warranty Policy HERE.     

  1. I’m located out-of-state. How long will this process take? What are my shipping options? 

We offer several options to process Out-of-State orders as quickly as possible. Please visit our Shipping Options Page to review what shipping options are available to all our clients. INTERNATIONAL CLIENTS: visit our site HERE for processing instructions.   

  1. Why must my Original, Bank-Issued Card and a emailed redacted copy of my State-issued ID be present during the laboratory production process? (See Out-of-State Sales for verification instructions.)

IDENTITY THEFT is NO JOKE. will ensure that you are who you say you are, and that the card you are upgrading is your personal, bank-issued card. That requires proving that the bank-issued card is in your possession and that you are the person named on the card. PRIVACY CONCERNS: takes individual privacy very seriously. In order to protect your information, we have placed trained personnel to oversee the verification process. Simply submit a redacted copy of your valid, State-issued identification and the original, bank-issued credit or debit card being upgraded. FOR EXAMPLE: You have ordered an upgrade of your Visa credit card ending in 7686. In order to verify your order and receive your upgraded metal card, you will submit the original, frozen or locked, bank-issued Visa credit card ending in 7686 as well as a redacted copy of your State-issued ID, Driver’s License, or government-issued Passport. (This is the same or similar process many stores and other vendors require during checkout when using a credit card.) UNDER NO CIRCUMSTANCES WILL METAL CARD(S) BE RELEASED UNTIL VERIFIED. ALL INFORMATION PROVIDED MUST MATCH IN ORDER TO HAVE YOUR UPGRADED CARD SHIPPED BACK TO YOU. In the event that mistaken or inaccurate information is provided during the ordering process, please contact immediately to correct the issue(s). strives to ensure the smoothest ordering process possible, but we understand mistakes happen. We ask that you please review all information before submitting payment.  

Redacted Government Issued Identification Card

  1. Do I need to send in my physical debit or credit card or can you send me a black credit card with no numbers?

All customers are required to send in their original bank-issued cards via post for the following reasons: 1) Verification of identity via DL or State-issued ID. 2) Verification & matching of the submitted debit or credit card information. 3) Activation of the upgraded metal card, Beta EMV Chip Swap, Quality Control. 4) Deterrence of fraud. NOTE: takes several measures in deterring criminals from using our service to create fraudulent payment cards. Everything from our SSL Secure checkout to our required physical presentation of the original card are all parts of our standard operating procedures (SOP) to ensure the identity of each client and the upgrading of their own, personal cards. Under any circumstances MCC will NOT create fake cards, with fake numbers, this is against company policy. Under any circumstances MCC will NOT convert one card type to another, i.e. Visa to MC , MC to Visa; Visa to AMEX, Etc. Each metal card will be engraved or marked with the original plastic card(s) information; no exceptions.  UTILIZING THE SERVICES OF METAL-CREDITCARD.COM TO COMMIT FRAUD IS PROHIBITED AND ANY SUSPICIOUS ACTIVITY WILL BE REPORTED TO LAW-ENFORCEMENT AUTHORITIES. In order to create a functional metal card, all necessary, identifying information and data from your original, bank-issued card must be engraved on and programmed to the upgraded, metal card. THEREFORE: All Orders: must send their physical plastic card into our laboratory for processing.  See all our Shipping/Processing Options here.  

  1. I live out-of-state. Why do I need to send in my debit or credit card? Why can’t I just have my metal card upgrade shipped to me?

There is no way to activate your new metal card upgrade without sending your original, bank-issued debit or credit card to our processing lab. Our lab must have physical possession of your original debit or credit card in order to activate your upgrade. Otherwise, your metal card upgrade will not function. As a security measure, all clients are required to send a Frozen or Unactivated card for processing. 

  1. When I mail in my original, plastic card for processing, will it be returned to me?

YES! does not retain any submitted credit cards or debit cards. Your original credit or debit card will be returned to you in the same package as your upgraded metal card. Return ETA: 2-3 business days via USPS Priority Mail or 24-48 hours via USPS Priority Express Mail. International Express POST is 3 to 5 business days (approximate).  

  1. I’m nervous about sending and receiving my debit or credit card through the mail. What precautions does MCC take when shipping orders to customers? Frankly, I don’t want the mailman knowing there’s a Custom Metal Credit Card inside.

When shipping parcels to clients, NEVER! utilizes its company name on its packages. All parcels are labeled From: MCC and ship from our Processing Laboratory P.O. Box. The security of our client’s parcels is paramount. Our P.O. Box is collected twice daily by Laboratory Supervisors and escorted by Armed Security. Ultimately, shipping a card via the mail is common practice. If the major banks and financial institutions confidently utilize the mail to deliver cheap plastic cards; evidently it should be safe. Worst case scenario, a parcel is lost. MCC will coordinate with the USPS and track down a parcel. If deemed LOST, MCC will inform & instruct the client accordingly to remedy the situation. Here at MCC we stand behind our service 100%. Customer Satisfaction is our top priority. As a security measure, all clients are required to send a Frozen or Unactivated card for processing.         

  1. Will my original, bank-issued card still work?

YES!** Your original bank card will continue to function independently of your upgraded, metal card. We offer you this warning, however: Your old card will fall into disuse because You Are Going To Want To Use Your New Metal Card Everywhere! We recommend keeping your old plastic card in a safe, protected place as a back-up for those times when you don’t feel like showing off your upgraded metal card.  ** BETA EMV Chip Swap Orders will have the active chip removed from their original plastic card; therefore rendering the plastic card obsolete.  

  1. I want to upgrade my debit card. Will my PIN number still work with the new metal card?

YES! Your New Metal card will have the same embedded information that is on your plastic card, so nothing changes. You can use it in ATMs and debit machines as usual.  

  1. I am ordering from within California but am outside the Los Angeles/Orange County area. Do I fall under Out-Of-State processing?

Yes. If you are outside the Los Angeles/Orange County area, you can process your order via the Free California Shipping processing procedure.  

  1. Do you have a Corporate Showroom or local pickup location?

Unfortunately, MCC no longer offers a local showroom or pickup location.    

  1. How many upgraded, metal cards can I order?

You may place as many orders as you like for each bank-issued credit or debit card you wish to upgrade. You will submit each original, bank-issued card as an individual order. Orders for multiple bank-issued cards cannot be combined.  

  1. How does the Custom Engraved Card design process work?

Once you place an order for a Custom Engraved Metal Card, it is forwarded to the design team. The design team is allotted 12 to 24 hours to contact you via email and begin the design phase. You will communicate directly with the design team, via email, to instruct them toward your design vision. You are encouraged to collaborate with our designers by submitting written instructions and visual aids, such as hand drawings, sketches, vector images, and photos, using these file types: PDF, Ai., CDR, EPS, and PNG. The design team will create PDF renders approximating your design. These PDF renders will be emailed to you to review. You may suggest edits, tweaks, or new directions, and then send them back to your designer. Once you are satisfied with your design, you will give final approval. Be aware, commissioned artwork can take anywhere from 3 or 4 business days up to 2 weeks to complete. The design team will not submit any image to the processing lab for engraving without your, the client’s, written approval. Once the processing laboratory has received your approved design, the image will be engraved on a new metal card. The metal card upgrade will then be activated with your original plastic card; if the BETA EMV Chip Swap™ procedure was purchased that too will be completed in the laboratory before shipping the finalized product back to the client.

  1. Is there a limit to what your designers can do in terms of customization?

Some restrictions do apply. cannot apply colors, shading, and some backgrounds to our metal cards, and we are unable to create “exact replicas” of current or popular debit and credit card designs. Ultimately, throughout the design phase of a Custom Engraved/Marked Metal Card process, the design team will inform you about possibilities and limitations regarding your prospective design request. (Read on for more information regarding the possibilities and limitations of custom metal card designs.) We accept/prefer Ai, EPS, SVG and CDR files. This will make the creation of  commissioned artwork that much smoother.  JPEG Files DO NOT WORK well with our design team software; Do not send them.  If the artwork file/image is more than 1000 x 1000 pixels/resolution go ahead and submit. If less than 1000px x 1000px do not send it. 

If you cannot articulate your idea(s) we recommend Google searching for Images, please use the term “Vector” in the search; this will help yield the proper resolution needed to engrave the desired image. Example Search: Sad Clown Face Vector ; dragon tattoo Vector ; bank logo Vector  Black & White vectors work best with the artwork design process; be aware the card creation/engraving process does not and cannot engrave in color. Artwork that incorporates “color” will be rejected or modified.  

Try this site: they have great vector artwork for sale.  You can purchase the raw files and send our teams high resolutions images to save time. 


  1. I noticed on the sample photos that you don’t have logos for Visa, MasterCard, etc. Will my upgraded, metal card include the appropriate logo?

Yes. When placing your order, type in to the Order Form the Card Type name. will ensure the engraving of all necessary information so that your new card will function properly.  

  1. Am I able to create a duplicate design of my current credit or debit card for engraving on a metal card upgrade?

Technically, no. creates approximations of your design vision; we do not duplicate credit or debit card designs used by banking institutions. The reason is, engraving on a metal card is nothing like printing on a plastic card. strictly uses laser marking and engraving techniques to create images and designs. We do not print colors, we do not include holographic or “three-dimensional” images. We adhere strictly to laser engraving and marking. does, however, strive to push the boundaries of what is possible with laser engraved designs. When you select the Custom Engraved Metal Card option or the 24k Gold Plated Card option, you are given access to our exclusive design team, who is well aware of the capabilities of our equipment and what is possible to produce. The goal of the design team at is to create a unique card design catered directly to your design vision. Ultimately, our design team will gladly create any design to your written specifications and instructions. Clients are also encouraged to submit photos and/or illustrations of the concept they would like to design, to better assist our designers during the card design phase. Our designers can approximate most all submitted artwork, but to those clients with aspirations toward an “exact copy” of an existing bank-card design, they will be disappointed.  

  1. Can I order a copy of the AMEX Centurion, Visa Black, or any other luxury metal card? I’ll pay more if need be! (Actual request)

NO! does not offer copies of any trademarked or copyrighted products, designs, or images. Any purchases or requests of that nature will be denied, rejected, or refunded. Directly selling copies, multiple reproductions, replications, duplicates or mirror imaging any trademarked or copyrighted designs or image is absolutely against company policy. In short, we do not offer copies of bank-issued credit or debit card designs. However, does offer a Custom Engraved Metal Card option, which is considered Commissioned Artwork or Custom Templates. Please note the emphasis on Engraved. will gladly create an engravable design to your written specifications and instructions. Clients are also encouraged to submit high resolution photos or vector illustrations of the concept design they want in order to better assist our designers during the design phase of their Custom Engravable Template. Our production process does not print ink, does not print color; it is strictly Laser Engraving. The benefit of creating a Custom Engraved Metal Card is that it’s a “one off”. helps our clients create a unique, engraved interpretation of a design or concept the client likes or personally identifies with. Custom templates designed by our clients are never reproduced or sold to other clients or anyone else. Therefore, each custom-engraved card is one-of-a-kind and not reproducible (see example below). NOTE: All names, numbers, artwork, etc. are engraved into our metal matte-black colored cards or laser-marked onto our Brushed Stainless Steel cards or 24k gold plated cards. Therefore, no color or ink-printed designs are possible at this time. Create Your Custom Engraved Card NOW! Click HERE.  

  1. In the example images for Standard Templates, I see the words DEBIT and CREDIT engraved/marked on the cards. Does my card have to include these labels?

No! Standard Template designs come with the option to omit the Debit Card and Credit Card identifiers. In the drop down menu, simply select “No Not Label Credit or Debit”. If selected, your new, upgraded card will not contain the words Debit or Credit, front or back.  

  1. I am interested in designing a Custom Metal Credit Card with my initials engraved in color on the bottom right hand side of the card. Is this possible?

We are able to engrave initials, letters, etc. onto your Custom Metal Credit Card. However, we do not engrave in color. Our engraving process results in a golden-bronze finish. This is a natural byproduct of the metal card’s surface material. Review our sample images here.  

  1. Can I submit my own font for the design team to place on my card?

Yes!’s designers recommend visiting Choose a font from their vast library and inform your designer, and he or she will be happy to download/purchase it on your behalf and include it with your design.  

  1. Questions about how the materials and construction of our metal cards compare to other luxury cards on the market:

Is there a significant difference in weight between the 0.5mm & 0.8mm cards? Yes. 0.5mm is 14 grams and 0.8mm is 25 grams. They even sound different when dropped on a countertop. 0.5mm has more of a twang, whereas 0.8mm is a heavy, clunking sound. How do each of these cards compare to, let’s say, the Chase Sapphire or Visa Black? Chase Sapphire Preferred – blue epoxy coating/shell, stainless steel core: 12 grams Visa Black – carbon fiber: 4.68 grams American Express “Centurion” – titanium: 14 grams MCC 0.8mm Matte-Black colored card – stainless steel core, black oxide coating: 25 grams Will I have any troubles swiping my card or using the ATM if I go the 0.8mm route? We have not received any complaints about card thickness being an issue when swiping or inserting into any ATM or payment terminal. We have learned, however, that cards offered from other manufacturers, namely, the Chase Sapphire Preferred and Ritz Carlton Black, tend to stick in SQUARE readers for iPads.  

  1. Do you offer Military|Law Enforcement|Veteran DISCOUNTS?

YES! Absolutely! Being an organization founded by a U.S. Military veteran, takes great pride in offering a discount to all members of our Armed Forces. A 20% discount code will be authorized and sent to you once MCC receives a cell phone photograph of any of the following forms of proof: Submit the redacted photograph to  

  • redacted valid government-issued ID/DL with Veteran Status identifier
  • redacted DD214 or Active duty orders ( orders must match the name on the order form)
  • redacted valid VA card
  • redacted law enforcement CAC card
  1. The debit or credit card I want to upgrade contains an EMV chip. How will that affect the functionality of my new metal card? creates functional luxury engraved metal credit and debit cards. Your new metal card upgrade will function when swiped at a payment terminal or inserted into an ATM. We are currently testing a beta version of our soon-to-be-released EMV Chip-Swap Program (join this effort and learn more by clicking here). has upgraded countless EMV chip-enabled debit and credit cards, and our customer service team has resolved all issues arising from use of EMV chip-enabled cards. They can be easily reached for questions and issues by calling 1-866-523-2747 or sending an email to  

  1. If the card I want to upgrade has an EMV chip, will I be forced to purchase the BETA EMV chip swap service?

No, you are not required to purchase Beta EMV chip swap service, even if your original, bank-issued card contains an embedded EMV chip. However, the functionality of your metal card upgrade will be severely limited. Therefore, if your bank-issued card includes an embedded EMV chip, recommends adding our chip swap procedure to your metal card upgrade. Why? The vast majority of our clients end up carrying ONLY their new metal cards. Thus, if you happen to visit a merchant requiring EMV payments and you attempt to use a metal card upgrade without a chip, the transaction will be unable to be completed. By transplanting your active EMV Chip to your metal card upgrade, you will be able to complete your transaction as normal. The benefit of this is, you do not have to carry around your original, bank-issued card as a backup. For instructions on performing the Beta EMV chip swap service, click here  

  1. I’m sorry, I’m still confused about how Beta EMV Chip Swap works? Can you explain this in more detail?

Many clients have the misconception that if you remove the EMV chip, a metal card upgrade will swipe like a non-EMV chipped card. That is far from the truth. If you swipe your EMV chip-enabled card at an EMV payment terminal, you are immediately prompted to insert your EMV chip into the machine. This is because a payment terminal’s check for an EMV chip is triggered by the information programmed in the bank card’s magnetic strip. When activates a new upgrade, all the data from the magnetic strip of the original, bank-issued card is transferred to the metal card upgrade. Thus, when you swipe your new metal card at a payment terminal, the terminal will request a check for the corresponding EMV chip linked to the magnetic strip. If your metal card upgrade does not have the BETA EMV Chip Swap performed  on it, you will simply be unable to complete the transaction with that merchant. Therefore the new metal card (without a chip) will only function at locations where the chip card is not required by the merchant. i.e. Bars, Clubs, Restaurants, lounges, etc. 

  1. How can you guys assure new customers that their personal credit card numbers aren’t saved to your database for any reason?

Regarding MCC Security Protocols:

  1. We strive to meet or exceed PCI DSS (Payment Card Industry Data Security Standards) in maintaining a secure environment.
  2. We utilize PCI-compliant credit card transaction processing services.
  3. We employ SSL (Secure Socket Layer) security on our website, the same level of encryption corporate banking institutions use to protect client information.
  4. All metal card upgrades are performed on computer terminals that are disconnected from the internet. Thus client personal card information is protected from unauthorized remote access.
  5. Access to data transfer terminals is password encrypted, and access to data-transfer software is also password encrypted.
  6. Our data transfer terminals are designed to transfer but never store credit or debit card information.
  7. Access to data transfer terminals limited to authorized laboratory management.
  8. Access to customer purchase order information is password encrypted.
  9. Our laboratory is located in an undisclosed…location.
  10. Third-Party Custom Card Design teams have No Access to any client personal card information whatsoever.
  11. MCC Internal communications LAN (Local Area Network) is password encrypted & monitored 24/7/365.

MCC takes the protection of client personal information to a level normally applied to a small financial institution. Clients can rest assured that their personal card information is safe.      

  1. When swiping, since the card is constructed of metal, will there be signs of scratches on the card surface?

Due to the nature of the material and inherent byproduct of swiping/dipping any type of payment card threw a card machine; our cards too will show signs of wear & tear. Scuffing is inevitable. Yet, the coating/plating used to create our cards are “permanent” and would require deliberate action to remove. Thankfully, MCC does offer a comprehensive warranty in the event a card shows signs of manufacture defect. See our warranty policy HERE.

38. What forms of payment do you accept? Do you accept Bitcoin?

MCC ONLY Accepts the following forms of payment: All major credit cards accepted, Cash$$ App, Bitcoin and USPS Money Orders.  

MCC does not take payments directly on the website or over the phone; Once an order is submitted, MCC will email the client all the accepted payment methods.

39. Regarding RFID/PayWave/Contactless feature, is the 20% fail rate you state on your site related to the PayWave function or the entire card? Will 20% of the card not work at all, not even with swipe or chip insert? Please elaborate.   

Answer: the 20% failure rate of PayWave chip cards pertains only to the chip function itself; the PayWave/RFID feature is completely disabled. The magnetic stripe is 100% fully functional.
We have found that due to our transplant procedure, EMV chips that incorporate the PayWave/RFID feature fail completely 20% of the time. Meaning on average 20 chips fail completely out of 100 transplants.

RFID/PayWave/Contactless Feature

Again, EMV chips without the PayWave/RFID feature have a higher success rate.

Regarding cards without the PayWave/RFID feature, many companies offer cards without it, but gauging from your question you maybe overseas or in Canada. Here in the US the PayWave/RFID feature is not as common. Most banks, credit unions and small credit card companies offer cards without the feature.

In the event that you place an order and submit a card with the PayWave feature, if the transplant procedure were to fail, your order includes a comprehensive warranty. Click HERE to review it.



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Custom Metal Credit Card