A missing credit card is something to be concerned about. Whether your credit card is lost or stolen, it deserves a serious amount of attention. If your credit card lands in the wrong hands, you could end up having to deal with fraudulent credit card charges. You can save yourself that trouble, by reporting a lost or stolen credit card as soon as possible.
While you still have your credit cards, write down the customer service number from the back of your credit card. Do this for each of your credit cards and even for your check card and debit cards. Put these phone numbers in a separate place from your credit cards, so you can locate the numbers if you need them.
When you notice your credit card is missing, call each credit card company’s customer service department to let them know your credit card has been lost or stolen. The sooner you let your credit card company know your credit card is missing, the less likely it is that you will be liable for any of the charges.
If you report your credit card missing before any charges are missing, you won’t be responsible for any fraudulent charges made on your credit card. However, if you wait until after the thief uses your credit card, you could be liable for up to $50 worth of charges. If the thief steals only your credit card number and you still have the credit card in your possession, you won’t be responsible for any charges made.
Once you report your lost or stolen credit card by phone, it’s a good idea to follow up with a letter so you have a written record that you reported the missing credit card. In your letter, include your credit card number, the date the credit card became missing, the date you reported the missing credit card by phone, and a list of any fraudulent charges that have appeared on your account. Check with your credit card issuer for the correct address to send this letter to.
If you haven’t written your credit card customer service number down, but need to report a missing credit card, check recent billing statement to get your card’s customer service department. Your billing statement will likely include your credit card number. Alternately, you can check your card issuer’s website to find a contact number that you can use to report your missing credit card.