How Do You Report a Lost or Stolen Credit Card in Singapore?

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There are instances when expensive items (such as gold jewelleries, iPhones, and Macs) were purchased off with the use of another’s credit card – and sadly, without his or her knowledge. Does this news seem unbelievable to you?

It shouldn’t be.

This news shouldn’t come off as a surprise. In Singapore, some people have reported cases of credit card fraud – and, this includes reports of lost and/or stolen credit cards. This is according to research done by AsiaOne, one of Singapore’s Press Holdings Portal.

In this day and age when cyber criminals are continually getting creative, you have to raise credit card protection. Once you realise that your credit card is lost and/or stolen, you should report it to the right authorities immediately.

So, where do you start?


Definition of Lost and/or Stolen Credit Card

Cases of lost and/or stolen credit cards fall under the category of credit card fraud. Credit card fraud refers to the unauthorized financial transactions done from your account.

Unfortunately, cases of lost and/or stolen credit cards happen to many people. Because cyber criminals can get to the top of their game, it happens even to those who are extra careful with how they keep their cards.

How can you say that your credit card is lost and/or stolen?

  • You’re knowledgeable that your credit card got stolen
  • You suspect that your credit card got stolen because you can’t find it in the usual spot you place it
  • An unidentified person is using your credit card
  • An unidentified person used your credit card and reached your credit card limit
  • Your credit card is inaccessible even with the correct pin
  • You’re a victim of identity theft; an unidentified person is using your name, address, and other personal information to submit other credit card applications

Why You Should Report Lost and/or Stolen Credit Card

You should report cases of lost and/or stolen credit cards because your account on a missing credit card remains active. This means that another person (an unidentified user) can use your credit card as he or she sees fit – and you’re held accountable for any authorized charges.

This also means that you need to process the report immediately. Fortunately, most banks have customer hotlines (international). These hotlines are reachable even if you are far from home.

Here are some emergency hotlines that you should remember:

Step-by-Step Guide on How to Report Lost and/or Stolen Credit Card

Once you suspect that your credit card is missing, you should start searching for it. And, if you’re 100% sure that it’s lost and/or stolen, it’s time to act on filing for a report.

In many cases, if your credit card issuer checks up on your account, and notices suspicious activity in it, you’ll receive a call. Your credit card issuer will inform you of the suspicion. From the report, it’s up to you to follow up. In such a case, it’s advisable to check up on your account immediately.


Here’s a step-by-step guide on how to report lost and/or stolen credit card:

#1 – Contact the bank – particularly, contact the issuer of your credit card. Approach the section that handles credit card fraud cases. Usually, sections that handle credit card fraud are available 24/7. They will notify possible merchants not to charge from your credit card (based on your card number). This will also result to a credit freeze.

#2 – Contact a credit bureau – in this case, Credit Bureau Singapore. Inform the authority of the fraud and request for a fraud alert to be placed on your credit profile.

Many people refuse to consider contacting a credit bureau – and in fact, they consider this process unnecessary. According to these people, as long as they already contacted their credit card issuer, their credit on their accounts are frozen, and therefore, their accounts are safe.

But, in the case that a fraudulent charge has been or will be made from your credit card (and you end up maxing out your card limit), your credit score will suffer – unless, of course, you report it to a credit bureau. A credit bureau is the authority that manages your credit profile, after all.

#3 – Destroy old records and update with new information. If you previously enrolled in online banking, cancel your enrolment or erase your old credit card information. Once you’ve been issued a new credit card and a new credit card number, update your records.

Possible Solutions for Retrieved Credit Cards

If you retrieved lost and/or stolen credit cards after you filed for a missing credit card report, you should re-contact the bank, as well as the credit bureau. Inform them of the retrieval.

Once they are aware that you’re the card holder again, they will lift any imposed limit on your account. By then, you can use your credit card freely.

If your card was damaged, you can file a request for a replacement card. While in many cases this is free, requesting for a replacement card can sometimes come with a small fee. SGD $5 can be charged to you – depending on the issuer.

You may also request for a new PIN – for better account security. But, some banks do not allow this. Instead of re-generating a PIN, they will cancel your account. And, they will issue a new credit card to you – and, with it, you can create a new PIN.

Conclusion: The Need to File for a Report

Based on the discussions above, reporting a lost and/or stolen credit card is not too difficult. It simply takes three steps. Just be sure to take note of important information (such as the name of your bank, as well as its emergency hotline, and a credit bureau in Singapore).

Avoid delaying the report for a lost and/or stolen credit card because you’re liable for the losses if the card is registered under your name. Only once you report a missing credit card case will credit authorities act on a solution: as mentioned, these credit authorities will perform a credit freeze. And, by then, you’re off the hook.

So, what are your thoughts regarding this matter? Did you experience having your credit card lost and/or stolen? How did you resolve the problem? Leave a comment below to share what’s on your mind.


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