Learn how to report a lost or stolen credit card and other steps to take to help keep your credit card information secure.
CIBCMar. 23, 2026
4-minute read
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If you misplace your credit card or think it’s been stolen, there are steps you can take to help prevent fraudulent charges while you look for your card or until we send you a replacement.
Steps to take if your credit card is lost or stolen
If your credit card is missing, don’t panic. Follow these steps to secure your account and replace your card, if necessary.
Report stolen credit cards to your bank
If you suspect your credit card has been lost, stolen or your card details have been compromised, immediately sign on to CIBC Mobile Banking® or CIBC Online Banking® and select “Report lost or stolen card." Once your card is reported as lost or stolen, a replacement card will be sent to you. If you think someone may know your personal identification number (PIN), change it as soon as possible through mobile or online banking or at a CIBC ATM.
Learn more about reporting your card lost or stolen, changing your credit card PIN and more by visiting cibc.com/ManageMyCard.
Should someone steal your card, your card number or other card details, you won't be held responsible for fraudulent purchases processed through the Visa network as long as you meet your obligations and use care to protect your card and PIN. Review your CIBC Cardholder Agreement for additional details, or contact us Opens a new window..
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Lock your credit card
If you’ve misplaced your credit card but think you’ll be able to find it, you may want to lock your card instead of requesting a replacement. Locking a card temporarily prevents new transactions, but it doesn’t cancel the card. When you find your credit card, you can simply unlock it and continue using it as normal.
To lock and unlock your card, sign on to mobile or online banking and select the card you want to lock. Select “Manage My Card,” then select “Lock My Card” and follow the instructions on screen.
In the event of credit card theft, you should also file a report with the police. Documenting the incident with authorities may aid in finding the perpetrator and holding them accountable.
Call credit bureaus
Contact Equifax and TransUnion® and request that a fraud alert be placed on your credit profile. If someone attempts to open a new credit account with your information, the fraud alert encourages the lender to reach out to confirm that it’s really you.
You should also order and review your current credit report to ensure there are no other instances of credit card fraud. Should you find any information to be incorrect, notify the associated credit bureau.
Keep written records
When dealing with a stolen card, document all communications and actions you take when speaking with your bank, the police and credit bureaus. Document who you spoke with, the date and time you spoke, the context of the conversation and any follow-up items.
Destroy associated cards and cheques
Be sure to destroy any remaining cards and cheques associated with the compromised account. If you used your stolen card to sign on to mobile or online banking, you can sign on using your new replacement card number and existing password. If you registered the stolen card for pre-authorized payments with a retailer or service provider, update them with your new card information.
How CIBC can help
Feel confident in the purchases you make when you sign up for a CIBC credit card that offers credit card fraud protection. Receive alerts when unusual activity occurs on your card and take advantage of our identity theft assistance if needed. If you have more questions about credit card theft or credit cards in general, contact us Opens a new window..
