How long do you have to report a lost credit card?
Daniel Santos
Updated on February 04, 2026
To be subject only to the $50 liability, you have to report the loss or theft of a credit card within 60 days of receiving the statement on which fraudulent charges appear. Reporting the theft of your credit card quickly helps decrease your headaches.
How do I contact the owner of a lost credit card?
Call the number on the back of the card and tell the credit card company that you found it. They’ll contact the card’s owner for you. It’s possible that the card was already reported as lost anyway, and the card company will issue a new card with a new number.
What number do I call for a lost credit card?
3. Report your lost card to the issuer
| Credit card issuer | U.S. phone number | International phone number |
|---|---|---|
| American Express | 1-800-992-3404 | 1-336-393-1111 (call collect) |
| Bank of America | 1-800-732-9194 | 1-757-677-4701 |
| Barclays | 1-866-928-8598 | 1-302-255-8888 (call collect) |
| Capital One | 1-800-227-4825 | 1-800-934-2001 (call collect) |
What happens when you report a lost credit card?
After you report your card as lost or stolen, your issuer will cancel the card and then mail you a new one with a new account number. Once you receive your new card, follow these 9 tips to prevent identity theft from occurring in the future.
What do I do with a lost credit card?
Here are five steps to take if your credit card is lost or stolen.
- Call your credit card issuer. Call your credit card issuer immediately to report the loss or theft of your missing card.
- Get prepped with information.
- Follow up and keep records.
- Check your credit card statement.
- Check your insurance coverage.
Can I track down who used my credit card?
Credit card companies can track where your stolen credit card was last used, in most cases, only once the card is used by the person who took it. The credit card authorization process helps bank’s track this. However, by the time law enforcement arrives, the person may be long gone.
Does reporting a lost credit card hurt your credit?
Replacing a lost or stolen credit card does not hurt your credit score, as the account age and other information is simply transferred to a new account. A stolen or lost credit card can hurt a consumer’s credit score if the card is used and the cardholder doesn’t report the fraud and then fails to pay the charges.
What if my credit card was stolen and used?
In the event of the theft or unauthorized use of your credit card, federal law states that you’re liable for a maximum of $50 in fraudulent charges. If you report the card’s theft before any fraudulent use occurs, you’ll bear zero liability.
How to report a lost, stolen or damaged credit card and?
Log in to Online Banking at (opens in a new window) Select ‘Cards’ from the left hand menu. In the ‘Manage your credit card’ section select ‘Report your card lost and order a replacement’ or ‘Order a replacement for a damaged card’.
What to do if you lose your debit card?
Debit cards- You need to act fast and in the same way as for your credit card. Call your provider and report your card lost or stolen, then follow this up in writing. As with credit cards, until you’ve reported your debit card lost you are liable for any transactions made on it.
What should I do if my Social Security card is stolen?
However, if your wallet is stolen and your Social Security card was inside (not something we recommend), to report the fraudulent use to the credit reporting agencies and also you may want to freeze your credit reports and create a fraud alert as a precaution. What Happens After I Report My Lost Card?
What should I do if I Lost my Visa card?
How to cancel a lost or stolen card. Wherever you are, operators are standing by. A Visa representative will deactivate your credit or debit card and then notify your bank immediately. In the event that your card was stolen, this swift reporting may help prevent fraudulent use of your card.
