I lost my card, canceled it, then found it. How can I reactivate it? This question is about Credit Cards

I lost my card, canceled it, then found it. How can I reactivate it?

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This question is about Credit Cards

Benny Joseph, WalletHub Analyst

@Benjy_1 • 07/09/21 This answer was first published on 08/01/18 and it was last updated on 07/09/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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To reactivate a lost and found credit card, call the issuer as soon as possible and check whether it can be reactivated or not. In most instances, a credit card reported as lost is completely deactivated and a new one is issued. Some issuers allow cardholders to lock the card, either online or by requesting it through customer service. This option ensures that the card isn’t usable if someone finds it, but can be reactivated it if you find it.

If, however, you cancelled your credit card account, you may have to reapply. Call the credit card issuer to find out if there are any time limitations with regard to rescinding your cancellation or reapplying.

You can also check out the WalletHub guide on what to do if your credit card is lost or stolen. It’s also a good idea to monitor your credit report and watch for any unauthorized activities.

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What should I do if I lost my Visa credit card?

The first thing to do when dealing with a lost Visa credit card is freeze the card through the card issuer’s website or mobile app, if possible. Next, report the lost Visa credit card to the bank or credit union that issued the card, and request a replacement. It usually takes 3-7 business days to get a replacement Visa card, but some issuers may offer expedited shipping, even for free.

After that, take a...

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What do I do if I lost my Bank of America credit card?

If you lost your Bank of America credit card, you should report it immediately either by logging in to your online account on Bank of America’s lost or stolen cards page or by calling customer service at (800) 732-9194.

How to Report a Lost Bank of America Credit Card

Online: Log in to your online account on Bank of America’s lost or stolen cards page.
Over the phone: Call customer service at (800) 732-9194 and say “lost credit card.” Follow the prompts and you will...

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How do I report a lost Chase credit card?

To report a lost Chase credit card, immediately call Chase customer service at 1-800-432-3117. Chase will cancel the lost card and send a replacement credit card after verifying your identity over the phone. Chase also allows you to report a lost credit card through their website or mobile app.

How to Report a Lost Chase Credit Card

Call Chase customer service at 1-800-432-3117.
Inform the customer service representative that you’ve lost...

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