Credit Card What to Do If Your Card Is Stolen Guide
Updated March 2026 • PointsPick Editorial Team
Immediate Steps When Your Card Is Stolen
Act immediately. If you still have access to your card account online or via app, freeze the card now — this prevents all new transactions. Then call your issuer's 24/7 customer service line. Report all unauthorized charges you see on your statement. Request a new card number. File a police report if your physical wallet was stolen.
How to Freeze Your Card Without Calling
Most major issuers have a mobile app or online portal where you can freeze your card instantly. Chase, Citi, Capital One, and Amex all offer one-tap freeze. This stops all new purchases without canceling the card or affecting your credit.
What Happens to Unauthorized Charges
Under zero liability policies from all four major networks, you owe nothing for unauthorized charges made on a stolen card. Your issuer will investigate, remove fraudulent charges, and issue provisional credit while the investigation proceeds.
Protecting Your Accounts After a Theft
Once you receive a new card, update your autopay subscriptions and stored payment methods. Monitor your credit report for new accounts opened in your name. Consider placing a fraud alert or credit freeze with the three bureaus (Equifax, Experian, TransUnion).
What to Do If Your Card Is Stolen Checklist
- Freeze card via app or call issuer immediately
- Review all recent transactions for fraud
- File police report if wallet stolen
- Update autopay subscriptions with new card
- Monitor credit report for 90 days
Best Credit Cards With Strong Security
Frequently Asked Questions
What should I do first if my credit card is stolen?
Freeze the card immediately via your issuer's app or call the number on the back of your card. This prevents any new charges from going through.
How long does it take to get a replacement card?
Standard replacement takes 7-10 business days. Rush replacement is typically 1-3 business days and may be free depending on your issuer.
Will I be charged for purchases made on my stolen card?
No. Under zero liability policies, you are not responsible for unauthorized purchases. Report them promptly to ensure they are removed.
Should I file a police report for a stolen credit card?
Yes, especially if your whole wallet was stolen. A police report number supports your fraud claims and may be required by some issuers.
Does a stolen card hurt my credit score?
The theft itself does not affect your score. However, fraudulent accounts opened with your information can. Monitor your credit report and place a fraud alert if needed.