Debit card having secure scratch-off label strip and method of applying same

摘要

A telephone calling card or debit card is formed as a planar card member having front and rear surfaces. A scratch-off label strip is adhered to one of the surfaces and includes an opaque label strip applied onto the surface of the card. A PIN code is applied onto the opaque label strip. A scratch-off layer is applied over the opaque label strip and over the PIN code to obscure from viewing the PIN code. The scratch-off layer can be included on a second label strip applied onto the opaque label strip for covering at least the PIN code.