This weekend started off like any other weekend – running errands including a trip to the gas station. Everything seemed like a regular weekend. But here we are the next day and I go into my wallet and my ATM / debit card isn’t there.
First thing I do is to check my wallet, maybe I put in in another spot or maybe it’s loose in my purse. No such luck. Next, I go online to my bank account to see what transactions have posted, nothing that I didn’t recognize – that’s good. I immediately call my bank to ask them to freeze my card. This will give me a chance to look for it without any liability.
ATM / debit cards are different than credit cards when it comes to your liability. The most important thing to do is to contact your bank to stop your liability. If you contact your bank immediately before any unauthorized transactions occur, you have zero liability. The longer you wait, the more liability you have. Form more information, check out the Federal Trade Commission information page.
If I don’t find it today, I will call and cancel it and get a replacement card. Wish me luck in the search for my card.