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If you've lost your Chase ATM card, don't worry, you can easily replace it.
You can start by calling the Chase customer service number at 1-800-436-7927 to report your card lost or stolen.
To replace your card, you'll need to provide your account information, such as your account number, Social Security number, and date of birth.
You can also visit a Chase branch in person to report your card lost and get a replacement.
Once you've reported your card lost, you can order a replacement card online or by phone.
Replacement cards typically take 7-10 business days to arrive.
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Reporting a Lost Item
Reporting a lost Chase ATM card is a straightforward process. Contact your card issuer, Chase, to speak to a representative and close your card account. You can find their phone number on your credit card statements or through their website's web-chat feature.
To secure a replacement, consider locking the card through the Chase app or online card account. This ensures your credit card won't be usable if someone finds it but can be reopened if you find it.
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You must provide adequate notice to Chase to limit your liability to $50. This is per federal regulation, so be sure to reach out to them as soon as you notice your card has gone missing.
Here are the steps to report a lost credit card:
1. Contact your card issuer to close your card account and secure a replacement.
2. Consider locking the card to prevent unauthorized use.
3. Confirm any recent charges with the representative.
If you believe your card was stolen, filing a police report can be an important step. It helps document the theft and provides evidence in case of fraudulent activity.
Replacing a Lost Item
Replacing a lost ATM card from Chase can be done quickly and easily. You can call the number on the back of your card or 1-800-432-3117, 24 hours a day, to request a replacement.
Your new card should arrive within 3-5 business days. To request a replacement card online, click on the link to the card replacement page, select your card and reason for requesting a new one from the drop-down menus, and follow the prompts.
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If you're unable to find the link, you can type "Replacement Credit Card" in the search box and follow the instructions. If you still haven't received your card after 5 business days, call the number on the back of your old card or 1-800-432-3117.
Here are the contact options for some of the major credit card issuers, including Chase:
Contact Major Bureaus
Contacting the major credit bureaus after a lost item is crucial to prevent identity theft. This is because they can alert creditors to verify your identity before extending you credit.
You can set up an initial fraud alert with Experian, Equifax, and TransUnion. This alerts creditors to verify your identity before extending you credit.
Setting up a fraud alert is a free service and you only need to reach out to one of the three agencies. They will contact the other two when you set up a fraud alert.
To set up a fraud alert, visit one of the fraud alert pages for Experian, Equifax, or TransUnion.
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Get Replacement Online
Replacing a lost item can be a hassle, but getting a replacement online can make the process smoother. You can request a replacement card online through your credit card issuer's website or mobile app.
If you have a Chase credit card, you can click on a specific link to request a replacement card, or you can type "Replacement Credit Card" in the search box. From there, you can select the reason for requesting a replacement and follow the prompts.
Most credit card issuers will automatically send you a replacement card with a new credit card number if you report the card lost or stolen. However, it's a good idea to verify that you will be receiving a new card with a new number.
Your new card should arrive within 3-5 business days. If you still haven't received your card after 5 business days, you can call the number on the back of your old card or the number on your account statement.
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To make the process go more smoothly, it's a good idea to update any linked accounts with your new card information. This includes merchants where you have recurring charges, such as streaming subscriptions or utility bills.
Here are some steps to follow after receiving your new card:
- Update any linked accounts with your new card information
- Check your next statement closely for any unauthorized charges
- Safeguard your new credit card information by signing the back of the card, not writing the card number down, and only using the card with merchants you trust
Phone Replacement Request
If you need to replace a lost credit card, you can reach out to your card issuer over the phone. Most issuers have a dedicated replacement line that you can call to request a new card.
You can find the phone number on the back of your card or by searching online for the issuer's contact information. For example, if you have a Chase card, you can call 1-800-432-3117, 24 hours a day, to request a replacement.
The representative will ask you to confirm your identity and mailing address, and they'll arrange for a new card to be sent to you. Your new card should arrive within 3-5 business days.
Some credit card issuers offer additional features, such as contactless payment or rewards programs, that you can request when you call to replace your card. It's a good idea to ask about these options when you're requesting a replacement.
Here are some phone numbers for major credit card issuers:
Remember to keep your new card information secure and update any linked accounts to avoid any issues with recurring charges.
What to Do If You're Missing
If you're missing your Chase ATM card, start by contacting your credit card issuer, Chase, at the number on the back of the card or through their web-chat feature.
You can close your card account and secure a replacement card by speaking to a representative. This is a crucial step to prevent unauthorized charges.
Chase may allow you to lock or replace your card in their app or by logging in to your online card account, which ensures that your credit card won't be usable if someone finds it.
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To confirm any recent charges, be honest and report any legitimate charges as unauthorized. This will help prevent any issues with your card agreement.
You're only responsible for up to $50 in unauthorized charges if you provide adequate notice to Chase. So, reach out to them as soon as you notice your card has gone missing.
Here are the steps to follow:
- Contact Chase to speak to a representative.
- Consider locking the card through the Chase app or online card account.
- Confirm any recent charges with the representative.
Lost Affects Score?
Replacing a Chase ATM card doesn't directly affect your credit score, but there are some important steps to take if you lose your card.
You'll still be liable for the charges you incurred on the old card, even if it's no longer active, so be sure to pay what you owe on the old card.
One smart step is to place a freeze on your credit profile with one of the credit reporting bureaus to protect your identity.
You can only place a freeze with one of the three credit reporting bureaus, and the others will be automatically notified.
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If you're concerned about unauthorized activity, consider checking your credit report closely, which you're entitled to do for free annually from each of the three credit reporting agencies.
You can stagger these reports in the months after your card is lost or stolen to watch for any suspicious activity.
Here's a summary of the key steps to take:
- Paying what you owe on the old card
- Placing a freeze on your credit profile
- Checking your credit report closely
Keep in mind that if you delay reporting the loss or theft, you may be liable up to $50 for unauthorized charges or withdrawals.
Key Takeaways
If your Chase ATM card has been lost or stolen, don't panic – there are steps you can take immediately to keep your account and credit profile safe.
Start by reaching out to Chase and freezing your account, either by calling them or by using the Chase mobile app.
If you're sure you can't find it, or if you've found fraudulent charges on your account, have Chase cancel the card and issue you a replacement.
In the meantime, take steps with the three major credit bureaus to protect yourself from potential identity theft and other issues that could hurt your credit score.
Here's a step-by-step guide to help you:
- Call or use the Chase mobile app to freeze your account.
- Cancel the card and request a replacement if you're sure it's lost or stolen.
- Contact the three major credit bureaus to protect your credit profile.
Taking Stolen or Lost Items Seriously
If you can't find your Chase ATM card, it's bad enough, but it's even worse when you realize someone could be using it for unauthorized transactions. In the wrong hands, your credit card can be used for charges that add up to hundreds or even thousands of dollars.
Federal law is on your side if you report a credit card loss before someone else uses it. You won't be obligated to cover any unauthorized charges or withdrawals occurring thereafter.
If you delay reporting the loss or theft, you may be liable up to $50, according to the Federal Trade Commission. This is a significant risk, especially if you're not aware of the potential consequences.
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To avoid this risk, it's essential to take action as soon as you notice your card is missing. Contact your credit card issuer to close your card account and secure a replacement credit card.
Here are the steps to take if you've lost your Chase ATM card:
- Contact your credit card issuer to speak to a representative.
- Consider locking the card to prevent unauthorized use.
- Confirm any recent charges to identify legitimate transactions.
By following these steps, you can minimize the risk of financial strain and protect your credit score.
Frequently Asked Questions
Can I track my Chase debit card if I lost it?
Unfortunately, the security features on your Chase debit card cannot be used to track its physical location if it's lost or stolen. However, you can contact Chase customer support to report your card lost or stolen and get assistance with replacing it and preventing unauthorized transactions.
Sources
- https://en.wikipedia.org/wiki/Chase_Bank
- https://www.fidelity.com/spend-save/faqs-atm-debit-card
- https://www.chase.com/personal/credit-cards/education/basics/what-to-do-if-you-cant-find-credit-card
- https://www.bankrate.com/credit-cards/advice/lost-or-stolen-card/
- https://upgradedpoints.com/credit-cards/replacement-chase-credit-card/
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