Looking everywhere, but can not find your bank card. Can’t remember what you did with it. Worse, you stole your wallet. Here is a lost bank card! But what to do in such situations? Follow these few steps to limit the damage.
Prevent any problem
As the saying goes, prevention is better than cure. So, when you get a new debit or credit card, remember to sign the back, which will allow you to prove your identity in case of problems. Then, of course, never keep your password in the same place as your card and promote a complicated secret code (forget the usual 1234 or 0000).
Also, if you think someone has seen your password, do not wait to change it. And finally, keep your card safe from all, and do not leave it under any circumstances visible in your car or elsewhere, because it could cost you dearly. You will avoid having a lost bank card
Call card stop
You can, on the one hand, use this service in case of loss or theft of your card. On the other hand, you can also contact Card Stop if you suspect suspicious transactions by retrieving your statements.
To ensure that you are the card holder, your Card Stop contact will ask you several types of information. You will have to indicate the type as well as the number of cards to block. You will need to fill in the bank and the account number linked to the card. You will also need to provide your personal banking date attached to this card, namely your first and last name, date of birth and your postal code.
Report the lost bank card to the police
During your telephone conversation with Card Stop, your contact person has given you a file number to keep. With this information, go to the police station to report the loss or theft. The officer will then give you a certificate of loss (ie a copy of the minutes) to provide for your insurance, in case the card has been used by the perpetrator.
Contact your bank / insurance
You did all this, but the thief managed to use your card, whether it was to make online payments, withdrawals or in-store purchases, before it was blocked. It is therefore essential to contact your bank branch to oppose these withdrawals and expenses.
Depending on your card, you may have to pay a deductible unless it includes fraud insurance. Please note that if you delay doing this, your liability will be limited to the amount indicated in your terms and conditions related to your credit card.
Thanks to the ING Smart Banking app, you can check your account status at any time and identify potential fraud. You will also find the Card Stop number to report your lost bank card and can, as needed, make an appointment with an ING advisor to solve any problem.