When Your Credit Card Lost Or Stolen People

A credit card is lost or stolen potentially significant problem, especially if you have a limit or a high credit limit. It is important that you know what to do when your credit card is lost or stolen.

Report Lost Credit Card
The first thing you should do is report the missing credit card to the card issuer as soon as you see the card is lost. Do not wait a day or even a week.

Most card issuers print their customer service number on your monthly bill. Find recent copy of your credit card monthly bill number for the card issuer or if you have online access to your credit card, you may be able to use the credit card issuers website to report your lost credit card.

When contacting the credit card issuer, you must have the following information:

• Account number or your credit card is lost
• You know the date on which the credit card was lost
• The date and amount of your last purchase, if known

Even after you contact your credit card issuer by phone call center, was wise enough to follow up by sending a letter. The letter should state that your credit card has been lost or stolen and the information credit card numbers, date of loss or theft, you know the date on which the card is lost, and recent transactions. This letter will provide proof that you have reported lost when questioned by the issuer in the future.

Dealing With Unauthorized Transaction Costs
Credit card issuers generally have some kind of protection that eliminates your liability for any unauthorized transactions for the card is reported lost within a certain timeframe. Ask your credit card issuer if such protection applies to your account.

Check your bill for a few months after the loss of a credit card to see any unauthorized charges made using your credit card that has been lost. If you see any transactions you did not make, immediately report it to your lender as soon as possible.

Preventing Credit Card Lost In The Future
The best way to avoid credit card is lost or stolen is to remain aware of your card at any time. At any point in time, you only have to carry a credit card is required. Take the necessary steps to keep your credit cards in a safe place.

• Avoid storing credit card directly into your pocket. More easily lost.
• Make sure your card fits in the slot wallet. If the credit card slot in your wallet have loose or worn, consider buying a new wallet and stiff that store credit cards remain securely in place.
• Take time now to start making a list including the names and contact numbers of all your credit card issuer. Keep the list in a safe place so that you can easily contact your credit card issuer if your credit card is lost or stolen in the future.

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