I wonder whether credit cards are waterproof?

To some extent, yes.

If you have been through the washer, then the heat really is a problem, not the water itself.

About credit card chip

If the card is divided, you have a problem. If you have a smart card (ie, with a chip on board), then the salt water (or contaminated water) can cause the chip to corrode. Fresh water is not a problem - and if it was in salt water, in fact the card should be rinsed in freshwater to remove salt and other contaminants. If the chip starts to erode, we need a new card.

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