What to Do About a 1st Financial Bank USA Lost Credit Card

July 16, 2020

What to Do About a 1st Financial Bank USA Lost Credit Card Featured ImageLosing your credit card or having it stolen can be a major scare. Your first thought may be that someone is racking up thousands of dollars in debt and you will be held responsible for the fraudulent charges. What do you do about a 1st Financial Bank USA lost card? The solution can be quite simple and worry-free.


What steps should I take if my 1st Financial Bank USA credit card is lost or stolen?

Once you realize that your card has been lost or stolen, the first step is to contact 1st Financial Bank and inform them of the lost card.

If your 1FBUSA card is lost or stolen, call customer service at 1-800-733-1732.  A representative will walk you through a series of questions and complete a lost/stolen report.


How soon will the replacement card arrive?

A 1FBUSA replacement card will typically arrive to you in 10-14 days. You may also be given the option to receive your replacement card number via Secure Mail message before the card arrives. This way you are able to update any subscriptions that bill to the card, and you can continue to make purchases online.


Will my lost card affect my credit score?

As long as you request a replacement card and do not cancel the credit card account with 1st Financial Bank, your credit score will not be affected. Closing the account may result in a credit score decrease, depending on your individual credit history.


Will I be responsible for any purchases made with my lost or stolen credit card?

Your card protects you with Zero Liability for Unauthorized Use – which means that “if you didn’t buy it, you don’t pay for it.”


What can I do to avoid losing my credit card or having it stolen?

There are steps you can take to help avoid losing a credit card. Try selecting a designated spot inside your wallet for your card. After using your card, make sure to always put it back in its special place. If you discover it’s not in that place, you’ll know immediately that it has been lost or stolen.

When traveling, only bring the credit cards with you that you plan to use. Having additional cards on you may make it harder for you to notice if any go missing.

Always aim to keep your card in sight when making purchases. This might be more difficult in certain places, like restaurants or events, but do your best. If you have any suspicions that your credit card number was compromised during a transaction, monitor your credit card statements closely for any unfamiliar purchases. If you see something suspicious, call your credit card issuer and report it.




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