Do you carry your debit card during your foreign trip? ING’s international debit card has made it easy to make transactions in any country. However, what will you do if you lose the card? The card might have been misplaced or stolen during your trip. Most travellers feel confused in this situation and cannot determine what to do.
You may or may not get the debit card back, but there are ways to keep your money secure. This blog provides a brief guide on what you should do after losing your debit card.
Steps to Be Taken When You Have Lost Your Debit Card Abroad
A few steps will help you secure your money even after losing the card overseas.
Lock the card – Most banks allow customers to lock their debit card automatically from their online account or smartphone. In case the card is stolen, no one can misuse it. Only you have the authority to unlock the card anytime.
Contact the financial institution or bank – Most banks provide 24-hour customer service with international and domestic phone numbers. Thus, to solve your queries about the risk of fraudulent transactions, contact the bank without delay.
Report the police – Report the loss of your debit card to local police to increase the chance of recovering it. Banks may also ask you to show a copy of the FIR to manage claims for fraudulent charges. A police report will also help you avoid identity theft.
Apply for a replacement card – Contact the bank to cancel the debit card that you have lost. The financial institution will reissue a new card that comes with a different PIN. After activating the card, you are ready to use it for transactions.
How to Avoid Card Loss During Your Trip Abroad
A few tips will reduce the risk of losing your debit or credit card during your international trip.
- Carry only essential cards – Do not carry several cards to your travel destination.
- Record the card details in advance – Before losing the card, you should copy its details securely. It will help you report the lost card to the bank and the police station.
- Secure your documents and cards – A neck wallet or a money belt is the best accessory to keep your cards secure.
How to Manage Your Transactions Without a Debit Card
Your card may get lost anytime during a trip. But, how will you keep enjoying your vacation in this situation?
- Carry cash – Have a reserve of cash for your emergencies.
- Use traveller’s checks – Although this concept has become outdated, it will help you in an unexpected situation.
- Use your smartphone wallet – Wallet apps have become the safest alternatives to make transactions anywhere.
Conclusion
Loss of your debit card when travelling abroad leads to a stressful situation. However, staying calm will encourage you to take the right action. Many travellers create a plan in advance to manage emergencies efficiently. You should secure a backup card and carry some cash in your pocket. These steps will help you navigate the situation safely.
