How to Unlock a Car Using a Credit Card: A Guide for Drivers and Car Owners in the US

Published on Mar 08, 2025

How to Unlock a Car Using a Credit Card: A Practical Guide for Drivers

Have you ever locked your keys inside your car in the middle of a busy day? It can be frustrating and stressful, but there’s a potential quick fix—using a credit card to unlock the car. While this method won’t work on every vehicle, it’s a time-saving technique worth knowing. In this article, we’ll explore how to unlock a car with a credit card, discuss common car lockout situations, and examine how towing and roadside assistance services can help when DIY methods fail. If you’ve found yourself locked out of your car, this guide will give you both the practical steps and the peace of mind to handle the situation efficiently.

Valvoline Instant Oil Change
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Valvoline Instant Oil Change

3845 N 132nd St, Omaha, NE 68164, USA

1. How Does Unlocking a Car with a Credit Card Work?

The concept behind using a credit card to unlock a car is based on the mechanical locking system in older vehicles. Some cars, especially models manufactured before the late 1990s, use a basic latch system that can be manipulated with a thin, flexible tool—like a credit card. By sliding the card between the door frame and the rubber seal, you can sometimes push or slide the locking mechanism, allowing you to unlock the door without needing a key.

However, this method has its limits. Modern vehicles typically use more advanced locking systems such as electronic key fobs and deadbolts, which are much more secure and resistant to this kind of DIY unlocking method. Still, it’s worth attempting if you’re locked out of an older car or in a pinch.

Cardini Motorsport
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Cardini Motorsport

14528 Archwood St, Van Nuys, CA 91405, USA

2. The Step-by-Step Process: Unlocking a Car with a Credit Card

To try unlocking your car with a credit card, follow these steps carefully:

  • Step 1: Choose the Right Card
  • Pick a card that’s not too valuable or irreplaceable, as there’s a risk of damaging it during the unlocking process. A credit card or membership card works best, as it’s durable and has some flexibility.

  • Step 2: Slide the Card Between the Door and Frame
  • Insert the card between the car door and the frame at the top of the door. Aim for the area near the locking mechanism, where there’s a small gap between the door and the frame.

  • Step 3: Wiggle the Card to Dislodge the Lock
  • Gently push the card in and wiggle it up and down while applying light pressure. The goal is to get the card in between the latch and the frame, then slide it to disengage the lock.

  • Step 4: Try the Door Handle
  • If the card has successfully manipulated the latch, the door may open. Try the handle to see if the door unlocks.

3. When to Call for Professional Help: Towing and Roadside Assistance Services

While using a credit card to unlock your car can work in some cases, it’s not always the safest or most reliable method—especially with newer cars. In some situations, trying this method can damage your car's locking system, potentially leading to higher repair costs. So, when should you call in the professionals?

3.1 When DIY Methods Fail

If you’ve tried using a credit card and other DIY methods, such as the shoelace technique, and still can’t get your car unlocked, it may be time to call a towing or roadside assistance service. These professionals have specialized tools and expertise to handle a variety of lockout situations, ensuring that you get back into your car without causing any damage.

3.2 Emergency Roadside Assistance Services

Many roadside assistance services, such as AAA, offer emergency car lockout assistance. These services are available 24/7 and can be a lifesaver in situations where you’re stranded without your keys. A professional locksmith or roadside assistance technician will typically arrive in minutes and use advanced tools to unlock your car safely.

3.3 Towing Services for More Complex Situations

If the car’s locking mechanism is damaged or you’ve lost your keys entirely, a towing service can tow your vehicle to a trusted mechanic or locksmith. Many towing companies offer combined services, including emergency car lockouts, fuel delivery, and flat tire assistance. It’s a good idea to have the number of a reliable towing company handy for such emergencies.

4. Real-Life Case: A Customer's Emergency Lockout Experience

Imagine you’re running late for an important meeting. You hop out of the car to grab a coffee, but when you try to get back in, your car’s door refuses to budge. You realize your keys are still inside. This exact scenario happened to Karen, a driver in Los Angeles. With no spare keys and no locksmith nearby, she turned to a nearby towing service that offers emergency unlock services. The technician arrived within 20 minutes and was able to unlock the door using professional tools without any damage to the vehicle. Karen made it to her meeting on time, and the peace of mind knowing help was just a call away made all the difference.

5. How to Prevent Car Lockouts in the Future

While it’s helpful to know how to unlock a car with a credit card or call a professional service, prevention is always the best solution. Here are a few tips to avoid car lockouts:

  • Always have a spare key: Keep a spare key hidden in a secure location or with a trusted friend or family member.
  • Consider a keyless entry system: Modern keyless entry systems make it nearly impossible to lock your keys in the car.
  • Use a magnetic key holder: This allows you to keep a spare key hidden securely on your vehicle in case of an emergency.
  • Keep your locks maintained: Regular maintenance of your car’s locks and keys can help prevent lockouts due to faulty mechanisms.

6. Conclusion: Unlocking Your Car When You Need It Most

Being locked out of your car is frustrating, but with the right knowledge and tools, you can handle the situation with confidence. Whether you’re using a credit card for older car models or calling a professional for modern vehicles, there are plenty of solutions at your disposal. If you find yourself stuck, don’t hesitate to reach out to a professional towing or roadside assistance service. These experts are ready to help you get back on the road quickly and safely.

For those in need of reliable towing services or emergency roadside assistance, consider partnering with a trusted provider. Whether it’s a car lockout, a flat tire, or a breakdown, these professionals have the tools and experience to assist you in any situation. Save time and money by contacting a dependable towing company today.

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