Learn what steps you should take if you've lost your credit or debit card.

Few things can ruin a day quite like losing or misplacing a card. The moment you realize your card is not where it should be can spark feelings of panic, worry, and stress. It never feels good to believe your card is lost, but the situation can go much smoother if you keep these steps in mind.  

Steps to Take if You've Lost Your Card

September 15, 2016

Learn what steps you should take if you've lost your credit or debit card.

Few things can ruin a day quite like losing or misplacing a card. The moment you realize your card is not where it should be can spark feelings of panic, worry, and stress. It never feels good to believe your card is lost, but the situation can go much smoother if you keep these steps in mind.

Lock Your Card

The very first thing you should do if you believe your card has been lost is to lock the card. Some cards allow you to do this through their app or by calling the customer care line. Locking your card will ensure that no one will be able to use your card, locking them out of your money and information. Keep your card locked until you find the card or resolve the issue, either by closing the card or changing certain card information. Some apps require you to add your card information first in order to lock your card, so take a few minutes to check and add in your information if you haven’t yet.

Call Your Card Provider or Bank

Once your card is locked, call your financial institution or credit card provider to alert them of your situation. They will be able to tell you the steps they recommend for the particular card and what your options are going forward. If you find the card, make sure to contact them and clarify any steps necessary before you begin using it again.

File a Police Report

To protect yourself, file a police report. This can help place the card back in your possession if it is turned in and help protect you if anyone tries to use your card. Try to make your report as thorough and detailed as possible and have your card information on-hand to make the process easier.

Monitor Your Account

Monitor your account and watch for any fraudulent charges from after you misplaced the card. Even if you locked your card, there may have been enough time between losing it and locking it for someone to rack up a lot of online or in-store shopping. Keep track of any fraudulent charges and report them to your card company or financial institution, and alert the police that your card has gone from lost to stolen.

Retrace Your Steps

Often times, a lost card has been left in a restaurant, at the check-out counter, or in a dressing room. Make a list of all of the businesses you visited at least 24 hours before you realized your card was missing and call each one to ask if a card has been turned in. Give them your information to contact you in case a shopper or employee finds the card. Try checking back in a day or two just in case it was turned in but employees were unaware of the situation.

Misplacing a card can be a stressful ordeal, but following the tips above can help you through the experience. If you misplace your card often, try making a habit of putting it in the same place every time or always double-checking that you have your card after using it.

Protect Your Debit Card

Safeguard your debit card from fraud and make your card more secure than ever by adding Debit Card Control in our Mobile App! Customize your preferences to help protect your card today. 

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