Have you ever lost your card? Yes if you have ever lost your credit or debit card or you realized it is in wrong hands, the first thing you need to do is to block your card from usage.
As the original credit card or debit card holder you are in control of your finances and therefore any access to your bank account should entirely be controlled by you.
However, cases arise where your card has been misplaced, stolen or you just realized it is in wrong hands.
With such scenarios, it is advisable to move with speed and block your card from being used by anyone. This is even more crucial when it is in hands of untrusted individuals who already may have your card pin number.
4 ways to block your credit card or debit card
There are four methods you can use to block any card from any bank.
Block your card using a mobile app
This is one of the most efficient ways to block a debit or credit when it is stolen or in wrong hands.
Now that most banks allow customers to manage their transactions and account activities through the bank’s mobile app. Using the card management option on your bank mobile app will help you to block your card from being used.
Bank app can as well help you manage your cards by reporting a lost or stolen card and applying for card replacement.
Block your card with the SMS option
Have you lost your credit or debit card and you need to block it? By sending a short SMS to your bank can save your funds from being withdrawn.
Most banks provide a short SMS option or USSD short code option that one can use to manage their account and even block their cards.
This method is swift and best suited for account holders with no access to a smartphone.
It is always good to find out and know the short SMS number or USSD code process you can use to manage your cards from your bank.
Call your bank customer care
Getting in touch with your bank customer care is one of the best way to protect your account from unauthorized access.
By calling the customer care number, you can request the customer care representative to block your card from being used for any transaction activities.
Visit the nearest bank
If you have lost your card, it is always advisable to ask your bank to block it or help you replace it.
By visiting any of your bank branch near you, you can report, block or even apply for replacement of your credit or debit card.
Safe banking is important to any bank account holder. In case you have an ATM card, it is always advisable to keep it safe.
Banks also do advise their clients not to share their card pin numbers.
In case you have lost your card, report immediately to your bank for immediate action.