Perhaps you’ve had that moment — when you open your wallet, only to find one of your credit cards is missing. At these times, it’s natural to feel a little bit of panic, and some people even begin a frantic search. Instead, take a moment to think through the necessary steps when you can’t find your credit card.

Locating a Lost Card

When you lose any item, your first instinct will be to try to recall where you last used it. But with a credit card, you could simply review your account history to find out where your last charge was made. You can log in to your account online, or call your card issuer, to get a record of your most recent transactions. When viewing your account online, be sure to check under “pending transactions,” as it can take a few days before a purchase is considered to be “posted.”

Once you’ve found your most recent transaction, call or visit the merchant to see if they’ve found your lost card. And if the most recent transaction(s) occurred after you lost your card, and were not authorized by you, then you should immediately contact your card issuer to report your card stolen. Thankfully, Discover has a $0 Fraud Liability Guarantee so you’re never responsible for unauthorized transactions on your account.

Freezing Your Account

When you’re unable to find your credit card you may not need to cancel your card. For instance, with a Discover card, you can use the Freeze it® feature, which is available online, over the phone or through Discover’s mobile app and allows you to prevent new purchases, cash advances, and balance transfers.* This is a good option when you simply can’t find your credit card.

While a credit card account is frozen, Discover will still process any recurring payments that you’ve already authorized. Returns, credits, dispute adjustments and payments also will be processed as normal, and you can continue to redeem your rewards. And, when you find your card, you can quickly unfreeze your account and resume using the card.

Reporting Your Card Lost or Stolen

If you’ve decided that your card is permanently lost or stolen, then you should report it to your card issuer. Your card issuer will invalidate the lost card, and may ask you to destroy any additional cards associated with the account. You may also be asked to contact any merchants that you have authorized to regularly bill your credit card on file.

Finally, the card issuer will make arrangements to deliver a replacement card to you. If you are a Discover card member, you can receive a new Discover card within 4-6 business days, and there is no fee to replace your card. Once you receive your new card, you should contact any merchants that automatically bill you to update your card information.

Bottom Line When You Can’t Find Your Credit Card

It’s never fun to misplace something, but it’s pretty easy to recover from a lost credit card. By taking it one step at a time, you can locate your credit card, or receive a new one, without any cost or unnecessary stress.

*Freeze it: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.