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<section class="db-page-hero db-page-hero-bg" style="background-image:url('assets/images/insights/lost-card-guide.jpg');" aria-labelledby="hero-title"><div class="db-container"><h1 class="db-page-hero-title" id="hero-title">Lost or Stolen Card</h1><p class="db-page-hero-subtitle">Act quickly to protect your account. We are here to help you report a lost or stolen card, secure your funds, and get a replacement card issued.</p></div></section>

<section class="db-section-sm"><div class="db-container"><div class="db-content animate"><div class="db-alert db-alert-danger"><i class="fas fa-exclamation-triangle"></i><div><strong>If your card is lost or stolen, act immediately.</strong> Freeze your card right now from your online banking dashboard or call our 24/7 emergency line at <strong>+1 (800) 555-0202</strong>. Every minute matters in preventing unauthorised use of your card.</div></div></div></div></section>

<section class="db-section db-section-bg"><div class="db-container"><div class="db-section-header animate"><span class="db-section-label">What to Do</span><h2 class="db-section-title">Steps to Take Immediately</h2><p class="db-section-subtitle">Follow these four steps as soon as you realise your card is missing.</p></div>
<div class="db-steps db-mt-8">
  <div class="db-step animate animate-delay-1"><h4>Report Immediately</h4><p>Log in to your online banking dashboard and freeze your card instantly. Then call our 24/7 emergency line or visit a branch to formally report the loss. The sooner we know, the faster we can act.</p></div>
  <div class="db-step animate animate-delay-2"><h4>Check Recent Transactions</h4><p>Review your account activity from the time you last had your card. Make a note of any transactions you do not recognise and share these details when you speak with our team.</p></div>
  <div class="db-step animate animate-delay-3"><h4>Request a Replacement</h4><p>Once the lost or stolen card is cancelled, we will order a replacement card with a new number. You can request standard delivery or expedited shipping depending on how quickly you need it.</p></div>
  <div class="db-step animate animate-delay-4"><h4>Monitor Your Account</h4><p>After your replacement card is issued, continue to monitor your account regularly. Set up transaction alerts and review your statements to ensure no further unauthorised activity occurs.</p></div>
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<section class="db-section"><div class="db-container"><div class="db-content animate">
  <h2>How to Report a Lost or Stolen Card</h2>
  <p>There are three ways to report your card as lost or stolen. Choose the method that is most convenient for you, but please act without delay.</p>
  <div class="db-support-channels db-mt-8">
    <div class="db-support-channel animate animate-delay-1"><i class="fas fa-desktop"></i><h4>Online Dashboard</h4><p>Freeze your card and submit a lost/stolen report directly from your dashboard. This is the fastest method and is available 24/7.</p><a href="account/login.html" class="db-btn db-btn-outline db-btn-sm">Log In Now</a></div>
    <div class="db-support-channel animate animate-delay-2"><i class="fas fa-phone-alt"></i><h4>Emergency Hotline</h4><p>Call our dedicated card emergency line. Our team is available around the clock to cancel your card and begin the replacement process.</p><p style="font-weight:700;color:var(--db-primary);font-size:var(--db-text-lg);">+1 (800) 555-0202</p></div>
    <div class="db-support-channel animate animate-delay-3"><i class="fas fa-building"></i><h4>Visit a Branch</h4><p>Visit any <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> branch during business hours. Bring a valid government-issued photo ID for identity verification.</p><a href="contact.html" class="db-btn db-btn-outline db-btn-sm">Find a Branch</a></div>
  </div>
</div></div></section>

<section class="db-section db-section-bg"><div class="db-container"><div class="db-content animate">
  <h2>What Happens After You Report</h2>
  <p>Once you report your card as lost or stolen, here is what takes place behind the scenes and what you can expect.</p>
  <ul>
    <li><strong>Immediate cancellation:</strong> Your lost or stolen card is permanently deactivated within seconds of your report. No further transactions, whether in-store, online, or at an ATM, will be authorised on that card.</li>
    <li><strong>Fraud investigation:</strong> If any unauthorised transactions are identified, our fraud investigation team will review them. You will be assigned a case reference number and a dedicated investigator may contact you for additional information.</li>
    <li><strong>Zero-liability protection:</strong> Under our zero-liability policy, you will not be held responsible for unauthorised transactions made after you report the loss, provided you have taken reasonable care to protect your card and PIN.</li>
    <li><strong>Replacement card production:</strong> A new card with a fresh card number, expiry date, and CVV is produced and dispatched to your registered mailing address. Your existing account, balance, and linked services remain unchanged.</li>
    <li><strong>Confirmation notifications:</strong> You will receive email and SMS confirmations at each stage: when the card is cancelled, when the replacement is produced, and when it is dispatched.</li>
  </ul>
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<section class="db-section"><div class="db-container"><div class="db-content animate">
  <h2>Getting a Replacement Card</h2>
  <p>We will issue a replacement card as quickly as possible so you can resume normal use of your account. Here is what you need to know about replacement cards:</p>
  <ul>
    <li><strong>Delivery timeframes:</strong> Standard delivery takes 5 to 7 business days. Expedited delivery, where available, can reduce this to 2 to 3 business days. A fee may apply for expedited shipping.</li>
    <li><strong>Card number change:</strong> Your replacement card will have a new card number, expiry date, and CVV. This means any saved card details with merchants or recurring billing arrangements will need to be updated.</li>
    <li><strong>PIN for your new card:</strong> You can retain your existing PIN or set a new one. If you choose to keep it, the same PIN will work with your replacement card. To set a new PIN, follow the instructions included with your new card or change it through your dashboard.</li>
    <li><strong>Activation:</strong> Your new card must be activated before use. You can activate it through your online banking dashboard, by calling the number on the card sticker, or by using it at any <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> ATM with your PIN.</li>
    <li><strong>Virtual card continuity:</strong> If you previously had a virtual card linked to the same account, it will continue to function normally. Your virtual card numbers are separate from your physical card and are not affected by a physical card replacement.</li>
  </ul>
</div></div></section>

<section class="db-section db-section-bg"><div class="db-container"><div class="db-content animate">
  <h2>Protecting Yourself Going Forward</h2>
  <p>After experiencing a lost or stolen card, a few simple habits can help reduce the likelihood of it happening again and minimise the impact if it does.</p>
  <ul>
    <li><strong>Designate a card spot:</strong> Keep your card in a consistent place -- a specific slot in your wallet or purse -- so you notice quickly if it is missing.</li>
    <li><strong>Carry only what you need:</strong> Avoid carrying all your payment cards with you. Keep a backup card at home in a secure location.</li>
    <li><strong>Enable transaction alerts:</strong> Set up real-time notifications for all card transactions. You will know within moments if your card is used without your knowledge.</li>
    <li><strong>Use a virtual card for online purchases:</strong> Virtual cards add an extra layer of separation. Even if an online merchant is compromised, your primary account and physical card are not exposed.</li>
    <li><strong>Store the emergency number:</strong> Save our 24/7 card emergency line (+1 800 555-0202) in your phone contacts so you can call immediately if your card goes missing.</li>
    <li><strong>Review statements monthly:</strong> Make a habit of reviewing your account statements each month and reconciling transactions against your own records.</li>
  </ul>
</div></div></section>

<section class="db-section"><div class="db-container"><div class="db-content animate">
  <h2>You May Also Be Interested In</h2></div>
  <div class="db-related db-mt-8">
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  </div>
</div></section>

<section class="db-section db-cta"><div class="db-container"><div class="db-cta-inner animate"><h2 class="db-cta-title">Need to Report a Lost Card?</h2><p class="db-cta-description">Contact our support team now to freeze your card and request a replacement.</p><div class="db-cta-actions"><a href="customer-support.html" class="db-btn db-btn-light db-btn-lg">Report Lost Card</a><a href="card-security.html" class="db-btn db-btn-outline-white db-btn-lg">Card Security Tips</a></div></div></div></section>
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