When you call your credit card company, you should be ready with your account number, the date you noticed your card was missing, the details of your last purchase, and any unauthorized charges you may already have noticed.
The sooner you contact your card provider, the sooner they can deactivate your existing card, issue you a new one, and start dealing with unauthorized charges.
3. Watch for Unauthorized Charges
Once you realize your card is missing, you’ll need to check your account for unauthorized charges and bring them to the attention of your credit card company. In addition, you should watch your following statements closely to catch any unauthorized charges you may have missed or that took a while to clear your account. If you do find any fraudulent charges, you should report them to your credit card company immediately.
Ideally, you should always keep your credit cards safe. That means knowing where they are at all times, keeping them in a safe location, and protecting your card number. But if they do go missing, or your physical card or credit card number is stolen, acting quickly will minimize your financial responsibility and reduce the amount of unauthorized charges that could land on your credit card.