Singapore is becoming a cashless society wherein most people transact with cards.
Credit cards and debit cards are becoming as a way of life when it comes to spending and keeping track of finances. It is directly connected to your personal finances however you look at it.
This is why losing your precious credit or debit cards can make you lose your mind. It feels like losing your money in the bank in just one snap!
Do not let panic grab into your senses. Take these steps to limit potential damage and protect your finances from looming risks.
- Keep Calm and Retrace Your Steps
There are two possible reasons your cards got lost: Either you misplaced them or someone intentionally stole them. Consider the first possibility first.
Consider the first possibility before anything else.
Take out everything out from your bag, turn it upside-down and inside-out if you must. It is possible that you card is just stuck in the inner layers of your bag.
If it’s not the case, retrace your steps to revisit the places where you could have dropped or misplaced your card.
If you have been in a public transport, it does not hurt asking the people handling the company’s “Lost and Found” service. Here are the lost and found numbers worth checking out:
- CityCab Pte Ltd – 6552 1111
- Comfort Transportation Pte Ltd – 6552 1111
- Go-Ahead Singapore Lost and Found – 6812 6458
- Grab Lost and Found – 6655 0005
- HDT Singapore Taxi Pte Ltd – 6258 8888
- Premier Taxis Pte Ltd – 6363 6888
- Prime Car Rental & Taxi Services Pte Ltd – 6898 2000
- SBS Transit Lost and Found – 383 7211
- SMRT Lost and Found – 1800 336 8900
- SMRT Taxis Pte Ltd – 6555 8888]
- Trans-Cab Services Pte Ltd – 6555 3333
- Tower Transit Lost and Found – 1800 336 8900
- Yellow Top Taxi – 6293 5545
- Uber Lost and Found – Contact the concerned driver with the Uber App
If nobody has given you a positive response, then you must assume that it fell into selfish hands. Call your bank and cancel your lost debit, or credit cards.
- Freeze Your Card
If you have lost cards from multiple banks, call each one immediately after exhausting all possibilities that the cards were just misplaced. The card accounts will be put on hold until you get your replacement cards and activate them with a new PIN. Asking for a new card is easy, although it requires fees and will take a few days to replace them.
- ABN AMRO Lost Card Contact Number: 6597 8866
If you lose your ABN AMRO debit card, you can block it through Internet Banking or in the Mobile Banking app. Use your identification code to immediately block your card. You can then ask for a replacement which you can receive in at least five days.
- American Express (AmEx) Lost Card Phone Number: 1800 732 2244
Whether you lost your card or it got stolen, you can call AmEx to cancel your card and send you the replacement within a week.
- Bank of China 24 Hour Hotline: 1800 338 5335 and (65) 6338 5335
You can also send an email to email@example.com to cancel the card and ask for an immediate replacement.
- CitiBank Credit Card Hotline: 6225 5225
Dial the hotline number and enter the account number of the credit card or debit card you lost. Then press number 6 to report the lost card. Card replacement fee can cost S$10.
- DBS / POSB Credit Card Hotline: 1800 111 1111
If your card is lost or stolen, you can call the bank and cancel your card. You can also use iBanking to request for a new card and you will receive your card in 3 to 5 working days.
- HSBC Customer Service Hotline: 64722 669
Call the HSBC Hotline to notify them about the lost card. HSBC will then activate its Singapore Fraud Team to watch out for any possible fraudulent activities coming from your lost card. They can also immediately tell you if your card has been involved in such activity.
- OCBC Credit Card Hotline: 1800 363 3333
Ask for your card to be blocked immediately. OCBC will offer you a replacement card that costs S$30. If your credit card is FRANK Card, the fee for the first two replacement cards is waived.
- UOB Credit Card Hotline: 1800 222 2121
Lost UOB cards or used PINs without authorization must be reported immediately. You will not be liable for any card transaction after you have notified the bank.
- Maybank Hotline: 1800 535 4142 (ATM) and 1800 535 4084 (Credit Card)
Maybank debit and credit card replacements can cost from S$15 to S$30. On the other hand, Card PIN Replacement is free of charge.
- Make a Police Report for the Lost/Stolen Card
If you think that your cards were stolen, you have to file a police report as soon as possible. If you can’t go to a police station, you can simply do it online in three easy steps.
Step 1: Log on to E-service with your SingPass.
Step 2: Follow the instructions in lodging a Police report
Step 3: Confirm the submission after reviewing all the details.
In case your filing was terminated halfway, any details you filled out will not be saved in their data base.
Why is it important to make a Police report?
It is your responsibility to immediately report your lost card to the issuer. If you think that your card was actually stolen and not simply misplaced, make a police report then call the card issuer.
After you have reported the lost or stolen card, you will only be liable up to S$100 in case your card is used for fraudulent activities.
However, you must be able to prove to the bank that your card was actually stolen through a filed police report. And that you have done all the efforts to report the incident to the issuer as soon as you have discovered that is it missing and possibly stolen.
If the card was lost due to your gross negligence, you will not be entitled to the capped liability.
As you can see, there is an urgent need to report the loss of an ATM, debit, or a credit card. This is to protect your finances from any possible fraudulent activities.
Nobody wants to go through such trouble, but it is still best to get ready when the worst comes. Make sure that you have a copy of your card issuer’s contact details with you. Have your card number written, but keep it safe from other people.
In case you have lost your card and you did all you have to do to cancel the card, you still have to monitor your bills to make sure that there is no suspicious transaction. If there is, report it immediately.
Losing your credit card or debit card may bring the initial panic. This is because your finances can collapse and you will be helpless if you are already used to doing a cashless transaction. However, if you know what to do, it lessens the panic and makes the experience less distressing.
Latest posts by Cash Mart Singapore (see all)
- 5 Ways Retail Stores Can Fight the Booming E-Commerce - September 6, 2017
- Moneylender Review: Where to Find Low Interest Money Lender in Singapore - August 23, 2017
- What to Do If Your Credit and Debit Card is Lost or Stolen? - August 9, 2017
- 6 New Startup Schemes in Singapore for 2017 - July 25, 2017
- How to Escape the Social Status Trap - July 18, 2017