Introduction
Losing one’s credit card is never fun in any way as this has the potential to cause a lot of financial damage especially when one has high credit limits. This is because those who pick or stole it may not be of good character and may damage it by over using it. It is therefore very crucial that one knows what action to take in order to get their credit card back. The action needs to be taken immediately one realizes that the card is missing.
Step 1
One must always call the credit card company immediately. This means that they need to have credit card company contacts stored somewhere. This will help them start the process of getting lost credit card back. If one cannot trace the company of the credit card company, they may look at those with similar credit cards and get this number at the back of their credit cards. One may also go to the credit card company website and get the contact there. Most of these companies have 24 hour customer service desks and one needs to inform them immediately regardless of the timing of credit card loss.
Step 2
One may also mail the company about the loss of the card even after making the phone call. This will ensure that should the customer care agent who picked the phone forget any important details that may be important in trying to get the lost credit card back, they may also always confirm it from the email received.
Step 3
One also needs to report the credit card loss to the police department to enable them get back lost credit cards. Having police report may always help get back credit card within short duration of time.
Step 4
One also need to cancel their lost debit and credit cards and limit their liability. They may also order for new cards. This should however only be done when all the efforts of getting back credit card is not fruitful. This will ensure that the client is issued with the new cards and the lost one cancelled thus reducing the risk that may come with it.
Step 5
If one remembers where they last used their credit cards, they may go back to such places and ask the people around. Some stores may pick the lost credit cards and keep them safely for the owners to return. It is therefore important that one never panic when they lose their credit cards as there are always several steps that may be taken to get back credit card that is lost.
Tips
Loosing credit cards and trying to get it back can always lead to a lot of inconveniences in times of need. One therefore needs to take precautions to ensure that those loses that may be avoided do not take place. This will save them the trouble of trying to get back credit cards that are lost. To ensure credit card safety, one may only carry those cards that they are going to use. The rest of the cards should be left at home. The cards should also not be kept in the wallet. This is because most thieves usually target the wallet knowing very well that most people keep their cards in the wallet.
Sources and Citations
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