The invention is an improved credit card utilizing a die-cut removable portion which enables both visual and/or mechanical disablement of the card. The die-cut portion is preferably in the shape of a conventional key providing a visual indicator of the missing link necessary to make the card operational. The die-cut portion of the card may encompass identifying indicia such as the owner's name, the card expiration date, the numerical identification number, and/or the magnetic strip. Variations of the die-cut key allow certain aspects of the card to remain enabled should the removed key be accidentally lost. The invention requires that the key lock system be carried separately from the credit card thus frustrating pick-pockets or instances where the cards are otherwise stolen or lost. A second embodiment of the invention includes the use of the die-cut portion placed within two side surfaces of a credit card device. A portion of the card is transparent so as to provide visual indication of the key position within the card. An attachment device is further provided for securing the removed die-cut portion to a key ring or necklace providing ease of accessibility for reinsertion into a card member.