Lost my card....but found later....arghhh

(Michel Vieira) #1

Hello all.

I lost my card 3 days ago but yesterday i found around my room (dont blame me…blame my gf hehe)

Anyway, i already had ordered a card. Can i cancel that order? if not, can i carry on using my old card and decide later if i want to activate the new one or not?

Thanks in advance.

(Caspar) #2

Can you unfreeze it in the app? I suspect not. I did the same - lost it, then it was found in Sainsbury’s (I’d asked the next morning and they hadn’t found it, then again in the evening and it had turned up, but by then I’d ordered a replacement).

Message in-app and ask, things may have changed.

(Dan) #3

I’m pretty sure you can just click Defrost in the app and continue using it. When the new card arrives just dispose of it.

I think the old card only deactivates when you activate your new card.

Somebody correct me if I’m wrong, though!

(Tristan Thomas) #4

Yep! Just defrost it and you can keep using it :slight_smile:

(Allie) #5

If it was found in public where it was accessible by outside parties reactivating would have been a very bad idea. The magnetic stripe and front/back of the card should be assumed cloned by whoever turned it in. Also contactless should be assumed to have had a pre-play attack staged.

(Alex Sherwood) #6

That’s a possibility but an unlikely one, what % of people walk around with the kit needed for that?

And if it had happened then the user could freeze the card when they got notified about the first fraudulent transaction & would then get reimbursed by Monzo, since they’d be liable for the transaction(s).

(Allie) #7

The issuer isn’t liable if there was gross negligence. I am not a lawyer, but I think a strong argument could be made that reactivating a card lost in public was grossly negligent.

Cloning the magstripe requires specialised kit (at least a cheap audio jack magstripe reader for your phone). Pre-playing contactless magstripe only needs a phone with NFC, and stealing the front and back for Internet purchases only needs a camera.

This is why I also hate the US system of restaurants taking cards to the back. But since that’s compliant with network rules allowing it isn’t negligence.

I’m not saying any of this is likely. Simply that it’s security best practice to assume it’s compromised.

(Alex Sherwood) #8

We agree that the probability of the card’s details being stolen is low but you’re saying that assuming that they haven’t been stolen would be gross negligence :thinking: let’s agree to disagree on that.

Personally, I’d be happy to take the risk but that might just be because I generally like to believe in people’s good nature - perhaps too much - although that’s worked out ok for me so far :slight_smile:

(Nick) #9

Or put it somewhere safe in case you need a replacement card in the future?


It should be noted that I did the same thing.

Your new card will be waiting to be activated, and won’t be operational until it is. Once the new card has been activated in-app, however, your old card stops working.

I’m not 100% sure if you can order a new card if you have one awaiting activation, so you may want to activate and use the new card depending on how many services you’d need to update the card details with.


(Kolok) #11

Agree but in this case he said he found it in his room…

(Allie) #12

Mine was a reply to @caspararemi who found it in Sainsbury’s, not to OP.