This article explains how and why you should file a Police report if you have lost or had your credit card stolen.
How to file the Police report
First, call your bank and close out your account, change your account numbers and freeze your account. Your bank will issue you a new card.
If you know where your card was lost or stolen then contact the Police department in that area to file the report, otherwise, you are a victim where you live and you can file the report with your local Police department in your city.
You may be able to file the report on-line, over the phone or in person by going to the Police station. Most Police departments will not send a Patrol car to your location to take a report on a lost or stolen credit/debit card.
What you need to file the Police report
You will need proper identification to start the report. It is best, but not necessary, to provide the Police with the card number. You will need the name of the Bank. If you have a joint account with someone then both names should go on the report as a victim.
Why file a lost or stolen credit/debit card report
Filing a Police report should cover you in case anyone who may have your card tried to use it, makes charges on it or withdraws funds from your account. Having a Police report may be a requirement of the bank to reissue you another card, cover you in case of fraud and reimburse your account of any fraudulent charges.
Filing Police reports also help the Police track where crime is occurring so they can put more Police resources in the areas where crime is highest.
Filing a lost or stolen credit/debit card report with the Police is a very simple process. Make sure, once you file a Police report that you always get your Police report case number and either a receipt that you filed a report or an actual copy of the report for your records.
Article also posted on Triond by Scott Hallock