Credit Cardholder's Report of Lost or Stolen Credit Card 2025

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Call or get on the mobile app and report the loss or theft to the bank or credit union that issued the card as soon as possible. Federal law says youre not responsible to pay for charges or withdrawals made without your permission if they happen after you report the loss.
Report your credit card loss or theft immediately Contact your credit card issuer as soon as you realise your card is missing. Most issuers have 24/7 customer service lines specifically for reporting lost or stolen cards. Reporting the loss immediately helps prevent unauthorised transactions and limits your liability.
If you realize your credit card has been lost or stolen, take these five steps as soon as possible to minimize the damage: Lock your credit card. Contact your credit card issuer. Monitor your credit card statement. Update your recurring payment information. Prevent a future lost or stolen credit card.
Lost/stolen credit cards: If your credit card has been misplaced or stolen, the thief can use the card without your permission. Making fraudulent applications in your name for a new credit card.
Once you report that a card is lost, all future transactions made with it will be declined immediately, saving you from further losses.
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If the card is reported as lost or stolen before charges are made, you have zero liability. In addition, many credit card issuers offer a zero liability policy in case of fraud.

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