What to Do If You Lose a Credit Card

Credit cards can be slippery objects. They disappear into car seat crevices, slide out from phone cases, or hide under a restaurant check. You might even misplace one at home. If your card goes missing, take immediate steps to protect your money and credit rating.

How to protect yourself after a lost or stolen credit card

Lock the card

Many banks let customers lock a card through online or mobile banking applications, so you have time to search for it.

Call the issuer

If the card has been stolen or you’re unable to lock it, report the loss. The lender will cancel the number and send a replacement.

Review all activity

Alert the lender about any unfamiliar charges. Don’t wait—zero liability coverage is often limited, generally from one to two billing cycles. Because thieves can steal card data—not just the plastic—always review your accounts for suspicious charges.

Update passwords

Do this regularly, but especially if you’ve lost a card or had one stolen.

Request a fraud alert

Experian, Equifax and TransUnion will alert you if someone using your name requests credit. Consider freezing your credit so no one can open a new account until you lift the freeze.

. . . . .

A lost card is inconvenient, but quick action keeps it from becoming costly. As a AAA member, you also have access to financial tools designed to help protect your credit and reward everyday spending.

To learn more about this member benefit, inquire about the AAA Visa Signature credit card at your local AAA Store.*