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 breath. All Visa credit cards have $0 liability guarantees for unauthorized transactions, so you won’t have to pay for any fraudulent charges made with your card before you managed to freeze or report it. Once you report your card as lost, the card issuer will cancel that card number to permanently invalidate the Visa. They will then send you a replacement card. If you need the card within a few days, request expedited shipping when you speak with your card issuer. Just be sure to ask about any fees that may be assessed for rush delivery.
You can also report your lost card to Visa, but it’s not necessary. Visa will make sure that your card issuer is informed and will help you get a replacement card, but this can all be done faster by calling your card issuer directly. However, Visa can also arrange for emergency cash to be available at a bank near you within hours of your bank’s approval. This service should only be used a last resort, but it can come in handy if you’re stuck in a foreign country without a credit card.
Finally, activate your new Visa once it arrives. You can begin using your card immediately after activation. Since the former card number will no longer work, make sure to update your billing information for all recurring payments, so that you don’t get charged late fees.
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