In this day and age, credit cards have become one of the needs for almost everyone. The ease of buying goods with a payment system at a later date makes people try to have it. Some of us even have more than one.

But we should always be alert to the worst that could happen, right? The credit card is gone. Being stolen, falling, or other misadventures don't know when it could happen to you. For those who have experienced it, of course, understand very well how the panic feels. Don't be afraid of friends! Because in this article will explain the steps to be done if your credit card is lost.

Is your credit card gone? Follow these 5 steps!

1. Try to Remember When You Last Used

Before you panic, try to remember when the last credit card was used. Make the details, if you can reach the estimated hour. If you're not sure, try to remember the last time you saw or used it. Confirm where you lost your card. If you do not manage to remember or find it, immediately do the second step.

2. Report to the Bank To Be Blocked

Immediately report it to your credit card issuing bank. Don't delay, do it as soon as you can. Ask for help rejecting any kind of transaction, in other words block your credit card. The bank will ask for some information about credit card holders, such as credit card numbers, validity, and so on. Don't get it wrong to answer. Try to make sure that there is a transaction after the time your credit card is lost.

3. Report to the Police

Finish reporting to the bank, immediately report to the police. The point is to get a proof letter of credit card loss. Because banks usually ask for a certificate of loss from the police station. The way is easy, just come to the police station in your area domicile. Faster, better, so that credit cards can be replaced immediately. Remember, you can't be represented.

After the police provide the certificate of loss, photocopy so that you have a backup. Then go to the credit card bank you have contacted before, and meet customer service to request to be replaced and activated a new credit card. The process is usually not long, approximately an hour.

4. Close The Old Credit Card

After that, ask the bank to close your old credit card that has been lost. With the aim of preventing unwanted transactions on the credit card, you must remember the date the card is lost until the credit card is officially closed.

If you have an account PayPal, delete the account, and create a new one with information about the new credit card you already have. The point is to prevent transactions, either billing or income, from coming to old credit card numbers.

5. Ask for a New Credit Card

After the old credit card is closed, ask the card issuing bank to create a new credit card. Usually the bank will verify your personal data and create a new card. Pay attention to what documents you have to submit to smooth the process.

More Careful Next

Well, if the new credit card is already in your hand and the old one is definitely blocked, remember to be more careful in storing credit cards in the future. Always have a record of all information about your credit card to make it easier if it is lost. Also write bank numbers, houses and of course credit card numbers.