If you lost your credit card, don’t panic. There are steps you can take to reclaim the card or get a new one, and typically, you won’t be liable for fraudulent charges.

Take a deep breath and follow the steps outlined below.

  1. Try to Locate the Lost Card
  2. Freeze Your Account
  3. Report Your Card as Lost or Stolen

1. Try to Locate the Lost Card

When you lose any item, your first instinct is to try to recall where you last used it. But with a credit card, you can simply review your account history to find out where the last charge was made. 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” because it can take a few days for purchases 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. If the most recent transaction or transactions occurred after you lost your card and they weren’t authorized by you, then contact your card issuer to report your card stolen immediately.

Discover has a $0 Fraud Liability Guarantee, so you’re never responsible for unauthorized transactions on your account.

2. Freeze Your Account

You may not need to cancel a missing credit card. With a Discover card, you can use the Freeze it feature, which is available online, over the phone, or through Discover’s mobile app. This allows you to prevent new purchases, cash advances, and balance transfers while you try to locate the card.*

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

When you find your card, you can quickly unfreeze your account and continue using it.

3. Report Your Card as Lost or Stolen

If there’s no hope of finding your card or you’re sure it’s been stolen, call your card issuer. Your card issuer will invalidate the card and may ask you to destroy any additional cards associated with the account.

The card issuer will also make arrangements to deliver a replacement card. If you’re a Discover card member, you can expect to receive a new card within 4-6 business days, and there’s no replacement fee. Once you receive your new card, you should contact any merchants that automatically bill you to update your card information.

It’s never fun to misplace something, but it happens. You can recover from a lost credit card stress-free by locating it with some handy detective work, or if that fails by requesting a new one.

Published June 12, 2017.

Updated October 15, 2020.

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, delayed authorizations (such as some transit purchases), 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.