Here I am in Mexico City. After eating dinner last night at a sushi place in an upscale mall downtown, I went to get money at an ATM. Unfortunately, the card isn't returned until after you get the money. So what did I do? I left before the machine gave me back my card. Dumb.
Here's help if you do the same thing or if your card is stolen. I spent hours trying to get a hold of my bank and it seemed as if it were impossible.
Calling a bank to cancel a lost/stolen credit card is challenging (to say the least), either with a cell phone or a pay phone.
Here's what you do if you lose your card in a foreign country:
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| Pay phone booth in Mexico City |
1. Go on the Internet and get your account number and last transaction and fees charged by the bank.
If there is no Internet around go to Step 2.
Try to recall the amount of your last transaction because the agent will want it to prove your identity.
2. Use the Internet to get the domestic 800 number for your bank.
Today, you can dial an 800 number internationally; whereas, just a few years ago it was impossible.
3. Before you dial (oh, yeah, it's push the buttons today, but dial is still used), add the following numbers to the 800 number:
001880. For example, if the 800 number listed on the back of the card (800) 681-2803, dial the following:
001-880-800 681-2803
Do not call the collect numbers for international callers listed on the back of the card. I have no idea why the bank puts them there. They never work!
4. When you get the automated message, say "Operator" loudly.
You still get charged when dialing an 800 number internationally. It's very expensive, hence you don't want an automated voice wasting your precious time.
5. Give the information it asks for, which usually is the reason for your call.
Yes, the automation doesn't connect you to a live person right away.
6. Give the information the agent asks you for. They will ask you for the date of your last withdrawal and/or purchase (Wells Fargo will also want to know how much the bank from which you made the withdrawal charges you...insane, indeed!)
7. Tell them what happened to your card (if you remember, don't worry if you don't).
If you don't have the proper information to give the agent, let them know that you lost your card and all you want to do is to get it cancelled. You'll have to phone again when you get home to get a new card.
That's it; good luck and don't fret.