How do I report a lost or stolen credit card in U.S.?
Lost or stolen credit card? Learn how to report it fast, prevent fraud, request a replacement, and protect your finances with these essential steps.
If your credit card is lost or stolen in the U.S., follow these steps to report it immediately and protect your finances:
1. Contact Your Credit Card Issuer Immediately
Most credit card issuers offer 24/7 customer service for lost or stolen cards. Look for the customer service number on your card statement, mobile app, or issuer’s website.Major Credit Card Issuer Contact Numbers:
- Visa: 1-800-847-2911 (visa.com)
- Mastercard: 1-800-627-8372 (mastercard.com)
- American Express: 1-800-528-4800 (americanexpress.com)
- Discover: 1-800-347-2683 (discover.com)
2. Monitor Your Account for Unauthorized Transactions
Check your transaction history for any suspicious charges. Report fraudulent transactions to your card issuer immediately. Set up alerts to receive notifications for any new transactions.Under federal law, your liability for unauthorized charges is limited to $50—but most banks offer zero liability protection if reported quickly.
3. Request a Replacement Card
✔ Ask your issuer to send a new card with a different number.✔ Your old card will be deactivated to prevent further use.
✔ Update automatic payments linked to your old card (subscriptions, bills, etc.).
Most banks offer expedited shipping for replacement cards.
4. Check Your Credit Reports for Fraud
If your card was stolen, fraudsters may try to open accounts in your name. Check your credit reports to spot any suspicious activity.Get a free credit report at AnnualCreditReport.com.
Consider placing a fraud alert on your credit file through Equifax, Experian, or TransUnion.
5. Prevent Future Issues
Use a digital wallet (Apple Pay, Google Pay) instead of carrying physical cards.Set up account alerts for unusual transactions.
Avoid saving card details on websites for extra security.
Final Thoughts
✔ Report your lost or stolen card ASAP to avoid liability.✔ Monitor your statements for fraudulent charges.
✔ Order a new card and update your payment details where necessary.