Whether you are traveling abroad or in your own country, losing your credit or debit card can be disastrous. When this happens, you may not know how get emergency cash when you have lost your credit or debit card. But you can use your credit card issuer for help and advantages!
VISA, MasterCard, American Express, to name a few, can help cardholders get emergency cash in just a few business days depending on the situation.
But what If you do not have time to wait for your credit card issuer to help? This is where Max Cash® Title Loans may be able! We co could provide you with emergency cash in as little as 24 hours when you apply online for a loan.2 5
Get Emergency Cash When You Lose Your Debit Card
If you lose your debit card, While credit cards are for in store or online purchases, they can be used to get an emergency cash advance from an ATM. If you are outside the United States and cannot wait for a debit card replacement card, this could be an option to consider.
A cash advance will allow you to borrow off of your available credit line. You can do so at some ATMS. Or you can request it online from your card issuer like VISA, MasterCard, or American Express.
One thing to keep in mind as a cardholder is the interest rates for a cash advance. Just like a purchase with your credit card, a cash advance will have interest on it. And in some cases even higher interest than a regular purchase with your credit card.
Emergency Replacement Card When You Have Lost Your Credit Card or Debit Card
If you have lost your credit or debit card, there are measures you will need to take to get a replacement card. Your first step should be to call your card issuer and report the card as lost or stolen.
Whether you have VISA, Mastercard, or American express, there should be a special emergency services line to call. Your credit card issuer should arrange for a temporary replacement card. And if it is a debit card you should be able to access your account, while you are waiting for a replacement card.
The phone numbers that may be most helpful to you if you have a lost or stolen card, are:
- VISA: 1-800-VISA-911 (1-800-847-2911)
- MasterCard: 1-800-MCASSIST (1-800-622-7747)
- American Express: For replacement cards, call 1-800-964-8542. For Global Assist, which can help with emergency cash, you can call 1-800-554-2639
If you are a Cardholder, Report a Stolen Card Immediately
Once you report your credit card as lost or stolen to your card issuer, they will do the rest. Once they can ensure that if it is a stolen card, you will:
- Receive a Replacement Card In a Few Business Days
- All Future Charges to the Lost or Stolen Card are Reported as Fraudulent Charges or Unauthorized Charged
Additionally, you will want to call your financial institutions and let them know about your stolen card. Emergency card replacement may take a few days depending on your situation!
For extra protection, your financial institution could set up identity theft protection. Secondly. monitor your online banking for any future purchases.
Emergency Cash Options from a Card Provider like VISA or MasterCard When You are Waiting for Your Replacement Card
If you are waiting on your replacement card, it can take a few business days. In the meantime, the card provider may give you options to get you through those days! Getting emergency cash if you have lost your card can be a hassle.
One example, if you have a mobile app with a bank such as Bank of America, they may be able to help. They can guide you to the closest ATM or Western Union to access emergency cash through a cash advance. This can be done through your mobile banking app, as some banks will allow you to connect to specific ATMS to access your bank account.
You may be required to know your card number ahead of time as well. Keep in mind, the local currency will be different if you are traveling, and there may be foreign transaction fees for using the local ATM.
Travel Smarter, Not Harder
Before traveling, you should notify your credit card provider, credit union, or financial institution that you will be overseas. This can help avoid your card being flagged as stolen or frozen while you are traveling!
In some cases, it can be wise to purchase a prepaid card before you are traveling. This can help avoid foreign transaction fees and the fear of losing an important credit card! The most important step to traveling is to go prepared. Consider your digital wallet options, such as Apple Pay, or other mobile apps for easy accessibility.
Don’t wait until something happens for action. Consequently, you could find yourself in an emergency situation with no cards while you are traveling! While your bank or credit card issuer can help you, they may be limited. Emergency services from your credit card company can also be costly!
It is more advisable to prepare yourself for these situations than it is to be in one.
Consider a Title Loan Through Max Cash Title Loans While You are Waiting for Your Replacement Card
If you are waiting on your replacement card and are unsure of your options, Max Cash Title Loans is here to help.2 Waiting on emergency cash when you have lost your card can be a hassle.
One of the options you have is to apply for a title loan! Approved borrowers can get their funds in as little as 24 hours. 1 2 If you’re in a rush to get your emergency cash and don’t have time to wait, a title loan works! Apply online today in just minutes and see if you qualify for funds! 1 5