Report Lost/Stolen Cards

Report a Lost or Stolen Credit Card

Call Visa directly at 800-325-3678 (available 24/7). Visa will contact People Driven Credit Union daily to reissue your new card.

Have your account number ready if possible, but do not delay calling if you don’t have it on hand.

Report a Lost or Stolen ATM or Visa Debit Card

Call 888-241-2510 (available 24/7).

Calling from outside the U.S.? Use 1-909-941-1398.

Other Questions or Concerns

Call People Driven Credit Union directly at 844-700-7328. Our team can help you review recent transactions, place account alerts, and get a replacement card ordered.

1. Review your recent transactions

Log into your PDCU online account or mobile app and look for any charges you don’t recognize. Write down the date, amount, and merchant name for anything suspicious. You will need this if you file a dispute.

2. Dispute unauthorized charges

Contact People Driven Credit Union at 844-700-7328 to report any charges you did not make. Federal law gives you the right to dispute billing errors. For credit cards, the Fair Credit Billing Act protects you and requires your card issuer to investigate.

3. Update any automatic payments

If your lost or stolen card was linked to recurring payments (subscriptions, utilities, insurance), update those accounts with your new card number once you receive it. This prevents service interruptions.

4. Consider placing a fraud alert or credit freeze

If you think your card was stolen as part of a broader identity theft event, you can place a free fraud alert or credit freeze with the three major credit bureaus: Equifax, Experian, and TransUnion. A freeze prevents anyone from opening new credit in your name.

5. Report identity theft to the FTC

If your personal information was also compromised, report it to the Federal Trade Commission. The FTC’s official identity theft resource, IdentityTheft.gov, walks you through a personalized recovery plan step by step, free of charge.

6. File a police report if needed

If your card was physically stolen, consider filing a report with your local police department. A police report number can support your fraud dispute and may be required by certain creditors or insurers.

Card Type	Report Before Unauthorized Use	Report Within 2 Business Days	Report After 2 Business Days
Credit Card	$0 liability	Max $50	Max $50
Debit / ATM Card	$0 liability	Max $50	Max $500

Source: Federal Trade Commission, Lost or Stolen Credit, ATM, and Debit Cards. Visa zero-liability policy may provide additional protection beyond federal minimums. Contact People Driven Credit Union for details specific to your account.

Sign up for transaction alerts. PDCU can send you a text or email for every purchase made on your account. You will catch suspicious activity within minutes.

Use digital wallets. Apple Pay, Google Pay, and Samsung Pay store a virtual card number instead of your actual card number. Even if a merchant is compromised, your real card number stays protected.

Never share your card number by phone or email unless you initiated the contact. Legitimate organizations will not ask for your full card number this way.

Check your statements regularly. Log into your PDCU account at least once a week to review transactions. Catching a small fraudulent charge early prevents bigger problems later.

Keep your PIN private. Do not write your PIN on your card or store it in your wallet. Never share it with anyone, including people who claim to be from your financial institution.

How long does it take to get a replacement card?

Visa contacts People Driven Credit Union daily after you report a lost or stolen credit card. Standard replacement delivery is typically 7 to 10 business days. If you need your card sooner, call us at 844-700-7328 to ask about expedited options.

Can I temporarily freeze my card instead of canceling it?

In some cases, yes. Contact People Driven Credit Union at 844-700-7328 to ask about card controls available through your account. If you believe the card was stolen, canceling it is the safest option.

What if I find my card after reporting it lost?

Once a card is reported lost or stolen, it is deactivated for your protection. You cannot reactivate it. Destroy the old card and wait for your replacement to arrive.

What is the difference between a fraud alert and a credit freeze?

A fraud alert tells lenders to take extra steps to verify your identity before opening new credit. A credit freeze goes further and blocks lenders from accessing your credit report entirely, preventing any new accounts from being opened without your permission. The FTC explains both options in detail.

I think my identity was stolen, not just my card. What do I do?

Start at IdentityTheft.gov, the FTC’s official resource. It creates a personal recovery plan based on your situation. You can also call the FTC Identity Theft Helpline at 1-877-438-4338.

Need help right now?

Lost or stolen credit card: 800-325-3678 (Visa, 24/7)

Lost or stolen debit or ATM card: 888-241-2510 (24/7)

All other questions: 844-700-7328