In today’s world, life without a debit card is virtually impossible. If you look around carefully, you will see that every other person around you is using one, either to buy groceries, order for food, book for a movie ticket, book for a vacation, or doing all sorts of other transactions.
I can positively say that the lives of people in the metropolitan cities and urban towns run on debit cards. They are the wheels to our everyday lives.
So, when you lose your card, it must feel terrible, because it means that you may be unable to pay for your everyday needs, but you need not worry. Most banks have put measures in place to ensure that you receive your much-needed card as soon as possible.
In this review, I shall tell you how to get your Chase Debit Card replaced stress-free quickly. It is so easy that you will appreciate the bank’s customer service and their need to ensure that you are covered at all times.
Two ways of replacing your worn out or lost chase debit card
Requesting for a replacement over the phone
If you wish to do it over the phone, you will simply call the number at the back of the card within 24 hours. They will ask you why you need a new card, and you shall explain what happened to the card you currently have.
They will also ask you to confirm your identity and mailing address. The process is quick and easy.
In case you have lost your card and do not have the number, here are the Chase Bank telephone numbers that you can call when you need a replacement;
This is also a straightforward process. Click here and select the card you wish to replace, plus give a reason why you are requesting for a new card from the drop-down menu. You will need to sign in with your details.
Hot tip: If you find the card replacement page to be a little bit finicky, simply type “Replacement of debit card” on the search box, and from there, click on the reason you wish to replace the card, this could be because the card is lost, expired or damaged.
You can also do this by logging into your debit card account and clicking on the “Things you can do” that will give you a drop-down box on the upper right side corner of the page. Choose Account services, then click on replace a card.
You should receive your new card within 3 – 5 business days, and if you still haven’t received it, simply call the numbers above for more enquires.
How should you dispose of your old debit card?
If you are replacing your card because it is expired or damaged, you will need to go a step further and consider how you shall get rid of the old card you still have.
Here is how you should do it;
For metallic cards
Well, most cards are usually plastic, but just in case you happen to have the Chase Sapphire Preferred Card or the Chase Sapphire Reserve cards, you will not be able to easily dispose them of by cutting with a pair of scissors, because they are made of metallic material.
You will be required to call the number at the back of your card, and Chase Bank will send you a postage-paid envelope which you shall use to send your metal card back to them so they can dispose of it for you in the right way.
You can also take the card to any Chase Bank branch, and they will destroy it for you.
These are very easy to dispose of, and all you need to have is a pair of sharp scissors. Here is the procedure, to ensure that you do a good job;
Demagnetizing the card
To safely dispose of the card, you will first be required to disable the magnetic strip, which contains all of your personal information such as your name, account number, and card limit.
You will need to demagnetize this strip, so the card becomes unusable by anyone else. You can do this easily. Use a magnet such as a fridge magnet to get rid of the magnetic properties, and then cut along the strip with a pair of scissors.
Destroy the chip
This is the next step. You will need to destroy the chip on your card. If you have a chip and PIN card too, destroy them both.
The chip is the small silver or gold square that is usually on the left-hand side of your card. This chip contains all of the same personal information as is on the magnetic strip as well. It can be challenging to cut it up with scissors, so, you may need to use a hammer to smash the chip into small pieces.
Cutting up the rest of the card:
Once you have been able to disable the magnetic strip as well as the electronic chip, you can then begin to cut up the rest of the card. Ensure to cut it up in as many small pieces as possible, such that no one will be able to piece it up together again.
You can start by cutting up the numbers on the card, such that there are no more than two numbers on each cut up a piece of the card.
Then, cut out the security code and signature parts on the back of the card, and ensure to cut it in curved, bent and straight cuts which makes it harder to piece the card back together.
Throwing away the pieces
You should dispose of the pieces of the card separately. You do not need to put each fragment separately, but you shouldn’t put all of the pieces in one trash bag. When you spread out the pieces in different bags, it will be much safer for you.
When throwing away any other related documentation such as the account statements, the PIN documents, or any other receipts, put them in a different trash bag.
What to do when your card is lost
If your card is stolen, or you lose it accidentally, you must be very first with your next cause of action, because of debit card frauds. Here are a few steps you can take to ensure that you are safe;
Call Chase Bank
First thing you should do is not panic. Immediately you notice that the card is lost, call the bank and report the loss or theft of your card. Check for their contact information online if you do not have it, and make sure they have blocked the card.
A blocked card cannot be used, and as such, you shall be safe.
Provide your personal information
Once you call the bank, they will obviously want to verify your identity. You will likely be required to supply them with your personal information such as your name, Social Security Number, and your address.
Monitor your account statement
It’s not enough to just report the card, ensure to continually monitor your card statement to ensure that there aren’t any unauthorized transactions taking place.
In case you happen to see any changes or you see unfamiliar charges and appear to be fraudulent, call the bank immediately and report these transactions. Remember that you are not liable to any charges on your card after reporting it lost.
What to do to prevent future loss of your card
There are many ways you can lose your debit card. You never really know when it shall happen, and what you need to do is try as much as you can to protect yourself from theft and loss. Here are a few tips that may help you take care of your precious card.
Only carry the cards that you shall need and use
Avoid filling your wallet with all of your active cards if you don’t need to use them all at once. Instead, carry the card that you shall be using immediately. If you are going shopping, take the appropriate card, and leave the rest behind.
Keep the card in a secure place in your wallet or your purse. Do not break your tradition, or routine when carrying your card and decide to put it in your breast pocket or your shoes maybe. Keep them where they are safe at all times.
Dispose of your old cards immediately
This will mostly protect you from fraudsters. Ensure that you follow the procedure I have laid out when it comes to disposing of your old and expired cards. This is the best way of disposing of old cards that are no longer in use.
Keep good records
It’s always advisable to keep all of your card use records. This helps you keep track of all the card activities and ensures that you are always alert in case anything is amiss. It also helps you pinpoint a fraudulent activity a mile away.
Check the statements
The minute you receive your card statements, ensure to go through them thoroughly. Look for charges that you think you did not make or charges that look suspicious. This will help you keep your account guarded at all times.
Your account number
Do not write your account number all the time, as thieves will not always require your card to commit identity fraud. The account number is enough. Be careful not to write it down on paper and lose it, rather, destroy the paper once you are done with it.
Don’t share your card number
If you are making an on-the-phone purchase, avoid sharing your number with the other party, unless you made the call yourself. Also, ensure no one is eavesdropping on the call.
Chase bank has made it extremely easy for you to get your card replaced as soon as possible. In addition, they will deliver it to you at your doorstep as soon as the card is ready for collection. All you have to do is give them a call, using the numbers I have given you above, or log on to your account online and order for a new card.
We can never talk about cards and fail to mention the rising number of frauds that are happening every day through debit and credit cards. For this reason, I have included a few tips on how to keep your card safe and how to ensure that you are not a victim of card fraud.
Immediately you realize that your card is missing, the prudent thing to do is alert the bank as soon as possible, so they can make the necessary updates on your account such as blocking the card so no one else can use it.