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If your payment-card details may have been stolen, contact the bank or credit union that issued the card right away. Use its official app, website, or phone number, report the suspected exposure, and ask whether to lock, cancel, or replace the card. Check recent and pending transactions, report any charge or withdrawal you did not authorize, and keep a record of your contacts. A credit-report freeze may also help if identity information was exposed, but it does not block charges to existing accounts.
What to do first
- Contact the card issuer through a trusted channel. Call the number on the back of the card if you have it, or use the issuer’s official website, app, or a recent statement. Don’t use a phone number or link in an unexpected call, text, or email.
- Explain what may have been exposed and when. If the physical card is missing, report it as lost or stolen even if you see no suspicious activity. If the card is still with you but its number may have been exposed, tell the issuer that the account information may be compromised.
- Ask what action the issuer recommends. Ask whether it can lock the card, whether it should cancel and replace it, and whether any related accounts need attention. App controls and their effects vary by issuer, so don’t assume a temporary lock is available or that it has the same effect everywhere.
- Review activity and report unauthorized transactions. Check recent and pending transactions on the affected account and any other account the issuer identifies as related. Report every transaction you did not authorize as soon as you notice it.
- Keep a record. Note when you discovered the suspected theft, when and how you notified the issuer, and what it told you to do. Keep copies of letters, dispute forms, and supporting documents.
The FTC advises consumers to report a lost or stolen card to the issuing bank or credit union as soon as possible. FTC: Lost or stolen credit, ATM, and debit cards.
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Why you should report it promptly
Federal protections summarized by the FTC differ for credit cards and ATM or debit cards. The figures below describe potential liability in the situations specified by the FTC; your facts matter, and an issuer may offer more protection than the law requires. Don’t wait to see whether someone misuses the card.
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| Situation | FTC summary of potential liability |
|---|---|
| Credit card reported before it is used | You are not responsible for unauthorized charges. |
| Credit card reported after it is used | Potential responsibility is capped at $50. |
| Lost or stolen ATM or debit card reported before unauthorized charges | Maximum loss is $0. |
| Lost or stolen ATM or debit card reported within two business days after learning of the loss | Maximum loss is $50. |
| Lost or stolen ATM or debit card reported later than two business days but within 60 calendar days after the statement is sent | Maximum loss is $500. |
| Lost or stolen ATM or debit card reported more than 60 calendar days after the statement is sent | You may lose all money taken from the account and potentially more from linked accounts. |
| Account number used without the physical card | The FTC says consumers are not responsible for unauthorized credit-card charges. For debit-card account-number use, reporting within 60 calendar days after the statement is sent is relevant to the protection described by the FTC. |
These are not interchangeable deadlines: the two-business-day and 60-calendar-day periods concern different debit-card situations, while the 60-day credit-card billing-error deadline below concerns a written dispute. See the FTC’s card-loss guidance for the full explanation.
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How to dispute a charge or withdrawal
Contact the issuer as soon as you find a transaction you did not authorize, then follow its instructions for the relevant account. The FTC says certain credit-card billing errors must be disputed in writing within 60 days after the first statement containing the error was sent. Contact the issuer promptly and use the address and process it provides; don’t assume that a phone call alone completes a written dispute.
For a credit-card dispute, the FTC provides a sample dispute letter and advises keeping supporting documentation. For debit-card account errors, follow the issuer’s account-error process. Preserve your records and copies of anything you send.
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When a credit freeze can help
A card lock or cancellation is handled by the issuer and concerns use of an existing payment account. A credit freeze is placed with each nationwide credit bureau and makes it harder for someone to open new credit in your name. The FTC says credit freezes are free and do not affect your credit score, but they do not stop charges to existing debit or credit accounts. Continue checking account activity after placing one.
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Watch for follow-up scams
Don’t pay a caller or message sender for “credit card loss protection,” and don’t share account details to activate a supposed protection service. The FTC warns that these pitches are scams. Use your issuer’s known official contact channel to report charges and ask about its procedures. FTC: Credit card loss-protection offers are a scam.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What to do after the issuer responds
- Follow the issuer’s instructions for the affected card and any replacement it approves.
- Keep monitoring statements and account activity for unfamiliar transactions.
- Complete the issuer’s written dispute or account-error process where required, and save copies of your records.
- If identity details beyond the card credential were exposed, consider a credit freeze and use the FTC’s identity-theft recovery guidance.
This guidance is for U.S. credit, ATM, and debit cards. Protections and issuer procedures vary by circumstance; outside the United States, contact the card issuer and consult the applicable local rules.
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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
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