Theft or loss of a credit card: what to do?

With the changes in modern society and the many advances in technology, the bank card has become an essential part of everyday life. At the same time, it is increasingly coveted by malicious people.

Theft or loss of a credit card: what to do?

With the changes in modern society and the many advances in technology, the bank card has become an essential part of everyday life. At the same time, it is increasingly coveted by malicious people. Despite its usefulness and practicality, your bank card is likely to come as a nasty surprise if it is lost or stolen. Therefore, it is mandatory to react immediately as soon as you notice the theft or loss.

What should you do if your bank card is lost or stolen?

Beyond the disappointment and irritation that the theft or loss of your bank card may cause, your first reflex should be to stop the card as quickly as possible. This allows you to protect your bank account by blocking any payment without your knowledge. Then, you can claim a refund of the sums spent with your bank card without your approval.The stop payment must be made within 2 or 3 days maximum.

You can do this by contacting the interbank credit card stop server. This service, available 7 days a week and 24 hours a day, allows you to stop your bank card immediately. All you have to do is call 0 892 705 705The operator will then ask you for the 16-digit number of your bank card and the expiry date. If your bank is not connected to this service, it will give you a special telephone number and the time slot during which it can be reached. You must then confirm the request to stop your bank card with your bank.The direct consequence of this procedure is the blocking of your bank card and the cancellation of its validity. It is also important to note that the opposition procedure is irreversible.

It is no longer possible for you to ask your bank to make it valid once you have found it.

Some practical advice to avoid losing your bank card

In order to prevent the loss of your credit card, it is advisable to take a few precautions. First of all, avoid putting your bank card in the back pocket of your trousers. In addition to the risk of theft and loss, this can deform it and make it unusable. Similarly, when you are in a restaurant or on public transport, remember to keep it in your wallet and then in your bag, instead of leaving it lying around in plain sight and within reach of everyone.It is even recommended that you only take your bank cards with you when you really need them. These days, there are many applications available that allow you to easily manage your finances. You will find some of them on this site.

So you don't have to pull out your credit cards every time you want to pay your bills. You can do this on your smartphone for example with the Prism application. Just add your bank cards to the application. Thanks to NFC (Near Field Communication) technology, it is also possible to replace your bank card with your smartphone for payment at the checkout for your shopping in a store or supermarket. Via a special application, you simply choose the bank card to be used and bring your smartphone close to the payment terminal. This solution does not require an Internet network.