Christmas, New
Year – the holiday season is fast approaching. It’s going to be a busy season
ahead, and the probability of losing your credit card is more during this time.
According to finance investment companies in Delhi, India due to lot of
things in hand to do, you may leave behind your bag, your wallet, or your
credit card directly without even noticing it.
So, what should you do if you discover at the end of your busy shopping
schedule that you have lost your credit card?
Know the Eureka Zone:
The moment you realize that you have lost your
card, always care to take a second look or search the area around you. According
to research many objects are within 18 inches of where you expect them to be –
which is why this area is known as “Eureka Zone.” So, the Eureka Zone is worth
checking again, calmly and methodically. Other clues like where you last saw
your credit card, and what you were doing with it may also be a great help to
you.
Contact the Issuer of Your Credit Card:
Your card may have slid under a restaurant
booth, or you may have lost it at the airport. If you do not find it right
away, you should inform your card issuer as early as possible and have a
replacement card issued. According to finance
investment companies in Delhi, India, informing your card issuer is the
best and the safest option unless you have a feature like Discover’s Freeze it,
which lets you temporarily deactivate your card while you are looking for it.
If you happen to find your card after some
time has passed, finance investment
companies in Delhi, India recommends that you may still go for a replacement.
If your card was found by someone else and tried using it at a store or
restaurant, it is possible that the account information might have been
compromised in the interim. Hence, it would be smart to get a replacement to
minimize the odds of experiencing credit card fraud.
Monitor Your Account:
The rule of
sincerity says that it’s always a good idea to monitor your credit card
statements for fraudulent activity. Most credit cards have a zero liability
policy, so informing early will free you off the penalty if any unauthorized
activity occurs. While following all these procedures, you should also not
forget to review your account carefully, just to be on the safe side!
In a nutshell, always
keep the phone number of the credit card issuer close at hand. If you don’t the
numbers yet, the right time to do it is now, when no card is missing. As soon
as you realize your credit card is missing, call the card issuer. Do not carry
a large number of cards in your wallet and keep a backup payment method in case
your card is lost or stolen.
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