What to do if your credit card is stolen?
Have the option to turn off the card
Thanks to the usability of many banking applications, you now have the option to turn off the card. This alternative is exceptional in case you are not sure if you have asked for the card, that maybe it is just one more mistake and that you will end up finding it sooner or later between the holes in the sofa or in the coat you put on yesterday. Access the personal area of your entity and select this option. If you finally give up, you can always unsubscribe the card, but if you end up finding it, you can simply turn it on again. An extraordinary advantage that will avoid you having to request a new one and wait for it to arrive at your home or your branch.
Do not have the previous option available with your entity
As we mentioned before, if you finally give up or if you do not have the previous option available with your entity, you will have no choice but to unsubscribe. Do it quickly to avoid unwanted surprises! It is important to know that there is no going back at this point and that this action will prevent you from using it again, since it will be permanently blocked. To manage this option, access your personal area or call the customer service number of your bank. These phones are generally available 24 hours a day, 7 days a week, ready to handle this type of contingency. As an alternative option, you can always go to your office, where not only will you lose your lost card, but they will also manage your request for a spare one.
Although we hope that you have followed the advice to block the card as soon as possible, in parallel we encourage you to review the latest movements that have been made with the lost card. Verify that all the movements that appear are familiar to you, corroborating that you have not been the victim of an external and fraudulent use of the card. To review these movements, you just have to access your online banking and check the statement of the associated account.
It is important that you file a complaint with the authorities
In case the reason for the loss was theft, it is important that you file a complaint with the authorities. Despite how tedious it may seem to go to a police station to file a complaint, it is undoubtedly the most profitable procedure that will come out if you have to claim any amount from your entity. Overcome laziness and do things right, because it can save you from a good displeasure. Keep in mind that the first 150 USD that are paid with a stolen card are borne by the genuine holder and only after that limit is when the expenses are not our responsibility.
Finally, you only have to request a new card, so you can continue with your usual life. As we have anticipated before, it is important to keep in mind that if you have opted for the cancellation option, you will have no way to go back and your only viable alternative will be to request a new “plastic” if you want to return to your normal activity. To receive a new card, there are several options that you can carry out. You can go to your bank branch, you can request it through your online banking or even through the entity’s app. Remember that receiving the card can take a few days, but should not exceed two weeks.
We hope that Credit Bank has helped you to only lose your card and not calm it. Follow the steps that we have detailed throughout this article and keep the situation under control. Also, if you want to take advantage of the situation and take a look at the market offer, we encourage you to consult our Credit Cards section.