Skip to content Skip to sidebar Skip to footer

what happens if i lost my credit card and someone used it

what happens if i lose my credit card and someone uses it - you probably already know that a credit card is a type of card used as a means of payment in buying and selling goods or services that allows the user to buy goods or services by way of debt, where the payment or settlement can be done at once. . or in installments. certain nominal amount. 

what happens if i lost my credit card and someone used it

In storing a credit card, you must be extra careful because if it is lost and an irresponsible person is found, your credit card is at risk of being misused. As long as they know the three important information on your credit card, namely the card number, the 3-digit number on the back of the card, and the one that has been enforced in recent years, namely your credit card PIN, then they already know it. the opportunity to use your credit card for their personal benefit, which would certainly be very profitable. harm you as the legal owner of the credit card.

But sometimes disaster is unavoidable, and if you lose your credit card, what should you do? Not to mention if you find out that your lost credit card has been used by someone else for transactions. How to solve this? 

If it turns out that your credit card is not where you usually keep it, in your wallet or in your bag, for example, make sure first whether the credit card is really lost. If it is definitely lost, either due to your own negligence, for example a lost wallet or purse, or perhaps a pickpocket or theft, what you should do is the following:

Solution if I lose my credit card and someone uses it

1. Immediately Block Your Credit Card

The first thing you should do is immediately contact the credit card issuing bank as soon as you find out your credit card is lost, to request that your credit card be blocked so that irresponsible people can avoid it.

When you lose a credit card, you will usually share several things, including your credit card number, when, and the date and nominal amount of the transaction you made. 

2. Check Your Latest Credit Card Transactions

When calling your credit card issuing bank, you should also check the last recorded transaction for the credit card before it was blocked. This is to ensure that your credit card is not misused by others. If it turns out that there is a transaction that you did not make, report it to the bank for follow-up. 

3. Report to Police

To take care of making a replacement credit card, the bank usually submits a letter of loss from the police. For that, you need to come to the nearest police station to report the loss of your credit card and a letter of loss will be made later.

4. Close the Card and Request a New Card Replacement

After that, you can ask your credit card issuing bank to cover your lost credit card to make sure it can't be used again. Usually the bank will verify some of your data, and if approved you will be given a new credit card for a certain fee.

So, if your credit card is lost and used by someone else, in addition to the steps mentioned above, you can do the following:

Report to Credit Card Issuing Bank

This time, apart from blocking your lost credit card, you are also reporting forgotten transactions made by the person who found your lost credit card.

Submitting a Written Complaint to the Credit Card Issuing Bank If your report is not followed up or the results are not satisfactory, for example a decision, you are still required to pay a bill that you did not do, you can file a complaint addressed to the bank concerned and forward it to the relevant agency. . .

Note - Take Care of Your Credit Card

Hopefully the problems that arise due to your lost credit card being used by someone can be resolved properly and you are not harmed.

After you get a new credit card as a replacement for your lost credit card, then take good care of the card, don't lose it again.

Pay special attention to your credit card by always putting it back in an unavailable place after making a transaction. Also, don't show or reveal the whereabouts of your credit card in front of other people because it can invite people to steal.