What to do if you lost your chase debit card

If your card is lost, stolen or damaged, you can easily freeze or replace it in the app. You can also freeze or replace your card details if you're worried someone you don't trust has got hold of them.

Don't forget, if it's just your numberless card you're freezing or replacing, you can still shop online with your in-app card details. 

Freezing your card or card details

1. Open the Chase app and tap on the card on Home
2. Tap 'Freeze card'
3. Choose what you want to freeze by tapping the relevant toggle
4. When you're ready to unfreeze, simply follow these steps again

Just so you know, Apple Pay and Google Pay will still work if you freeze your card and/or card details.

We'll send you a replacement card that will arrive within 3-5 days. If you ordered your card more than 5 days ago, please call us using the number on your statement. We accept operator relay calls.

What should I do about Apple Pay if my card is lost or stolen?

If your card is lost or stolen, choose "Contact Chase" from your card in Apple Wallet or use the phone number on the back of your card to contact Chase immediately. We'll help you replace your lost or stolen card as well as ensure your lost or stolen card in Apple Pay is replaced.

What if my device is lost or stolen?

If your device is lost or stolen, you can suspend Apple Pay by using the “Find my iPhone” app or going to www.icloud.com and choosing the option for “Lost Mode.” You'll also be given the option to “Erase All” on www.icloud.com. This will delete all cards from Apple Pay and the Secure Element. If in doubt regarding the status of your Chase cards in Apple Pay, please contact Chase by using the number on the back of your card. If you find your phone, you can unsuspend Apple Pay by following the prompts on your phone or through the "Find my iPhone” app.

What happens when I replace or update my device?

If you replace or update your device, you'll need to add your card(s) again to Wallet as new Apple Pay setup. 

What happens when my card is replaced?

Whether your card is replaced because it is lost or stolen, or if the card has expired, in most cases your new card will be automatically associated to the existing Digital Account Number (Token) in your device, and continue to be used for payments in Apple Pay. If, for some reason, Chase could not re-add your new card to the existing Digital Account Number (Token), you'll see a notation in the Apple Pay App that the card isn't active for use. You can then re-add your card, as you did initially to make it active again.

How do I make returns with purchases I’ve made using Apple Pay?

You can make a return the same way you would with your plastic card today by contacting the merchant directly. We do recommend you bring the device that you used when returning items purchased with Apple Pay.

Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. Chase isn’t responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name.

If your card has been lost, stolen or damaged, call us immediately on the Chase customer support number available in your wallet or on one of these numbers.

We accept operator relay calls. If you're deaf, hard of hearing, or have a speech disability, call 711 for assistance.

Replace a debit card

It's easy to replace a lost or damaged debit card in the Chase Mobile® app. Here's how:

1. 
   After signing in, tap the account for the card you want to replace
2. 
   Scroll to find "Replace a lost or damaged card"
3. 
   Choose your card and then a reason for replacement
4. 
   Review and submit your request

Losing a credit card happens to the best of us. But if you act fast and contact your card issuer as soon as possible, you won't have to pay for any charges made without your authorization and can get a replacement card quickly. Legally, you cannot be held responsible for any charges made after your card is reported missing.

Here's what you can do:

How to report a lost credit card

Your credit card issuer is the first place you should turn if you discover that one of your cards has disappeared.

1. Contact your card issuer to speak to a representative. Find your issuer's phone number from your credit card statements or, if they have a web-chat feature on their website, connect with a representative over chat. This step is necessary to close your card account and secure a replacement credit card.
2. Consider locking the card. The card issuer may allow you to lock or replace your card in their app or by logging in to your online card account. This step ensures that your credit card won't be usable if someone finds it but can be reopened if you find it.
3. Confirm any recent charges. The representative is likely to read through your recent charges to identify which are legitimate. Honesty matters: Reporting any legitimate charges as unauthorized would constitute fraud and violate the terms of your card agreement.

Per federal regulation, your responsibility is limited to $50 if your card is lost or stolen when you provide adequate notice to your credit card issuer. Still, to keep from being held responsible for any unauthorized charges, be sure to reach out to your card issuer as soon as you notice your card has gone missing.

How do I replace a lost credit card?

When you report your card as lost or stolen to the issuer's representative, they will arrange for a new card to be sent to you. Most times, you'll receive a replacement in 3-5 business days but this time frame can vary depending on your bank or credit issuer. Although it can depend on your issuer, this is usually the process of how to get a new credit card.

You may not always be given the option to expedite the replacement process: it takes time for the new card to be printed with your personal information. Once you receive your replacement:

• Update any linked accounts. If your old card number was saved with merchants for recurring charges-such as streaming subscriptions or utility bills -- you will need to provide those merchants with your new card information.
• Check your next statement closely. When you receive your next card statement, look closely at any unauthorized charges made around the time your old card was lost. Report these unauthorized charges to your card issuer as soon as possible to limit your liability.
• Safeguard your new credit card information. Follow privacy best practices with your new card: Sign the back of the card, don't write the card number down and only use the card with merchants you trust.

Does a lost credit card affect your credit score?

Replacing a credit card won't affect your credit score. Even if you get a new card with a new 16-digit number, the card account and the age of that account remain the same for the purpose of credit reporting.

Still, if one of your cards goes missing, there are a few prudent steps you can take after reporting the lost card to ensure your credit isn't negatively affected:

• Be sure you pay what you owe on the old card
  Replacing a credit card doesn't zero out what you owe. Even if the card is no longer active, you'll still be liable for the charges you incurred when the card was in your possession.
• Monitor and protect your identity
  One smart step if you're concerned about the risk of identity theft is to place a freeze on your credit profile with one of the credit reporting bureaus. You only need to place the freeze with one of three bureaus as the others will be automatically notified.
• Check your credit report closely
  You are entitled to one free credit report annually from each of the three credit reporting agencies. Consider staggering these reports in the months after your card is lost or stolen so you can watch for any unauthorized activity.

What to do if you find your missing credit card

If you find your missing credit card, you can contact the card issuer at the number on the back of the card to let them know you've found it. Depending on timing, they may instruct you to destroy and dispose of the card and begin using the replacement card that they've arranged to be sent to your address.

What do I do if I lost my Chase debit card?

How much does Chase charge for a lost card?

How long does it take to get a Chase replacement debit card?

Can you get a replacement debit card at Chase Bank?