I've lost my credit card

Lost Property desk - lost credit / debit card


Action #1: search again

Not in your other coat, wallet or handbag? Not fallen behind the sofa? Search carefully, once you'll report the loss, your card will be cancelled and there will be no way to reactivate it...


Action #2: emergency management

If you can't find your payment card, always report it missing immediately to both the card company and the Police. You will need a Police reference number for any insurance claims.
Here is a list of the main credit card distribution agencies:

  • American Express: 01279 696 933
  • Diners Club: 0870 1900 011
  • Visa: 0800 891 725
  • Mastercard: 0800 964 767


You should also contact your bank as soon as you realise that your cards have been lost. The sooner you tell them, the sooner they can protect your account.

Below is a list of the main bank emergency phone numbers:

HSBC 08456 007 010 Lines open 24 hours a day
Barclays 08700 104 503  
Lloyds 0800 096 9779 Lines open 24 hours a day
Royal Bank of Scotland 0370 600 0459  
Standard Chartered 020 7885 8888  


Action #3: check your bank account

It's distressing if your credit or debit card is lost and you realise it has been used to purchase goods. You do have rights to get your money back if you have been affected by credit card fraud, as long as you act promptly when you discover your card is gone. You should always be refunded in full for any transactions that take place after you've reported your card missing. If you don't realise for a number of days that your card has been lost or stolen you should still be able to get your money back.


Failure to keep details safe

If your card provider can show that you've failed to take reasonable measures to keep your card and/or your PIN safe, then it could make you responsible for the first £50 of any disputed transaction. In practice, many banks waive this £50 contribution, so it’s worth checking the terms and conditions of your card.





The information contained in these guides are practices that Lost Property desk offers to you… The guidance does not constitute legal advise, and Lost Property desk takes no legal responsibility for actions taken based on the guidance.