What Should I Do if I Lost My Credit Card? Losing a credit card can happen at any time, without you even knowing it. Make sure you avoid problems and losses due to losing a credit card like this, so you don’t have to deal with bills that you don’t recognize in the future.
There’s no need to panic, the right way can be to deal with these conditions well. As soon as you realize that you have lost your credit card, make sure you immediately take the most appropriate action to secure the condition you are facing.
The following are some important steps, which you must take immediately after losing your credit card:
5 Steps to Take Immediately If Your Credit Card Is Lost or Stolen
Try to remember the last position
You still have to calm down after knowing if your credit card is lost. This will make it easier for you to think clearly and remember the last time you held the card.
Try to remember where the last time you used or even put your credit card, so you have a clearer picture of where the card is. If you remember, then immediately check the place/location where you think you store your credit card.
In addition to the methods above, you can also start checking the last transaction you made with the credit card. You can see this through the last bill of the credit card.
Report to the credit card issuing bank
If you haven’t been able to find the credit card with the method above, then don’t delay making a report to the bank immediately. Contact your credit card issuing bank and convey the conditions of the loss that you experienced in detail.
You can contact the bank quickly via telephone. Ask the bank to immediately block the credit card.
In this process, the bank will usually ask for some detailed information about your personal data and also your credit card. This is to ensure that you are really the holder of the credit card.
Prepare a credit card number in advance, you can sell it from the last sheet of your bill or even through the Banking message service. Provide clear information, so that the bank can immediately process your report properly.
Make a report to the police
Don’t forget to immediately make a loss report to the nearest police station. You can come to the nearest police station and convey the incident that you experienced in detail.
Ask for a certificate of loss from the police, so you can immediately take care of making a new replacement credit card. Bring this letter to your credit card issuing bank, so that a replacement credit card can be processed by them immediately.
Check your credit card transactions
When you have not received a new credit card from the bank, then you also need to check the list of transactions on your lost credit card. You have to make sure that the credit card is completely blocked and no longer active, so it cannot be used for transactions.
If it turns out that you find a new transaction there, then you can file an objection claim to the bank. Things like this can be done if you have previously submitted a loss report to the bank and also the police.
Make sure the old credit card has been closed by the bank
Don’t forget to make sure that the bank has actually closed your old credit card account. Submit this when making a report to the bank, so that later the credit card will no longer cause problems for you.
After all, you certainly don’t want to pay other people’s bills in the future, do you?
Also Read: How to use Credit Card for Beginners
Take the Right Steps When Your Credit Card Is Lost
If you lose your credit card, make sure you don’t panic and get confused about this condition. You need to confirm the existence of the card immediately.
If not found, make sure you immediately report and block the card to the bank. Take the right steps immediately, so that you don’t experience problems due to this condition.