The no-cloning property of quantum mechanics allows unforgeability of quantum banknotes and credit cards. Quantum credit card protocols involve a bank, a client and a payment terminal, and their practical implementation typically relies on encoding information on weak coherent states of light. Here, we provide a security proof in this practical setting for semi-device-independent quantum money with classical verification, involving an honest bank, a dishonest client and a potentially untrusted terminal. Our analysis uses semidefinite programming in the coherent state framework and aims at simultaneously optimizing over the noise and losses introduced by a dishonest party. We discuss secure regimes of operation in both fixed and randomized phase settings, taking into account experimental imperfections. Finally, we study the evolution of protocol security in the presence of a decohering optical quantum memory and identify secure credit card lifetimes for a specific configuration.