What to do if you lose your credit or debit card

Posted May 7th, 2018

Most of us have felt the panic that ensues when we open our wallet, and boom! Our card is missing. Whether it's your credit card or debit card, there are a few things you should do right off the bat.

If a transaction eAlert came through for a purchase you or anyone else with access to your account didn't make, call and cancel your card immediately. You can always find the Visa Lost or Stolen phone number at the link: https://www.decu.com/contact. Or you can just go to our homepage and search 'visa lost or stolen'. If you're not signed up for eAlerts, click here to get signed up. You can be notified anytime your card is swiped or used. It's the first line of defense to fraudulent charges.

There are less extreme cases to missing cards. Here are some tips to help in these less urgent situations:

Retrace your steps

If you've been out to dinner or drinks the night before, call back to the restaurant and make sure you didn't leave it behind. If you've had a day full of shopping, call the stores you visited or check the parking lots where you parked. Basically, we're saying, think back to any place where you may have used your wallet or card, and go back to ask if they've seen it.

Check your purse or wallet

Life is sometimes hurried. Check back through your purse, wallet, or car to make sure you didn't put it in the wrong place, or drop it as you were trying to get to the next stop in your day.

Check with your family members

Maybe you put your card in your pocket and it went through the laundry. Maybe your toddlers got into your wallet while you weren't looking. Check with the people in your household to make sure they haven't seen a stray debit or credit card. 

If you've searched high and low and just can't seem to come up with the missing card, call the lost or stolen number. They'll get the missing card cancelled and they'll get a replacement ordered. You can expect to receive your new card within 7 to 10 business days. 

We understand that the world is imperfect, and sometimes we lose things. That's why it's important to us to make sure you know what to do when things don't always go right!

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