Lost or Stolen Debit Card

Banking, Personal Finance, Budgeting, Tracking Purchase History, Money Management

In This Guide:

The realization of a lost or stolen debit card can easily and quickly result in a sudden panic attack. This is a common occurence among teens and young adults, with immediate concerns such as "what do I do?" and "am I going to lose all of my money?" and "I need to contact my bank right away." When someone you care about is stressing over a lost or stolen debit card, follow this eGuide to help ease their concerns and encourage them through a constructive course of action. 

He or She Might Be Thinking About...

  • How could I let this happen?
  • Did I lose my debit card?
  • Was my card stolen?
  • Where is the last place I had my card?
  • I feel like I'm losing my mind. 
  • I can't believe this.
  • What do I do?
  • My online bank account shows several recent transactions. How do I dispute those charges?
  • Can I get refunded for unauthorized charges on my card?
  • How long does it take for my refund to be delivered to my account?
  • Will my bank charge me for a new card?
  • How do I make purchases until I get a new banking card?
  • How long will it take for a new debit card to arrive?
  • Am I at risk for identity theft?
  • Will this have a negative impact on my credit score?
  • Do I need to transfer my money out of that account?
  • What am I going to tell my spouse/parents?

Words That Might Be Encouraging

  • The most important thing to do is call your bank right away.
  • Don't panic, we will figure this out together.
  • It's a good thing you discovered it was missing quickly. 
  • I'm sure your bank will helpyou get everything taken care of.
  • These sort of things happen all of the time. Don't beat yourself up about it, accidents happen.
  • What can I do to help? Can I call anyone for you?
  • Your bank will understand and be forgiving.
  • Take a deep breath.
  • Maybe someone will find your card and turn it in.
  • Have faith that a good, honest person will find it.

Words That Might Be Discouraging

  • I can't believe you lost your debit card.
  • How could you let this happen?
  • You're going to lose all of your money in that account.
  • Your bank is probably going to fine you.
  • Someone has probably maxed your card out by now.
  • I've lost my debit card several times. It's really no big deal. 
  • I don't know why you're stressing out so much.
  • Calm down.
  • Is this the first time you've lost your debit card?
  • Think...where did you have it last?
  • Your spouse/partner is not going to be happy with you.
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