What to do when you find a lost bank card?

You are in the street, a shop or a restaurant and you find someone’s bank card, just what should you do?

There are a few options, the first option is that you use it to go on a big spending spree, maybe order some goodies off the internet, replace that leaking toilet, or just have a wild night out.

Well, I’d like to think that you are a good person and wouldn’t do something like that, you wouldn’t, would you? Good, so now that we have established that you are a good person, what should you do?

A lot of people would decide to hand the card in if they found it in a pub, takeaway or shop, but don’t do this! Your intentions may be good, you assume that the person that has lost their card will work out where they lost it and come back and collect it. The problem is, you might be a good person, but can you be certain that the person you hand the card in to is? No, so don’t do it.

Okay, so we don’t hand the card over to someone else, so how about we track down the owner and give the card back to them, I mean, they might need it to buy food and pay bills. Yes, we will do that.

No! Do not do this. Firstly, you don’t know if the card really was just lost, perhaps it was stolen, used and then just thrown away to make the card holder think they lost it. By tracking down the card owner you could be putting yourself in the frame for being the one who stolen. You also don’t know if the card might be used fraudulently again after you give it back.

Huh? What the hell do you mean by that?

The card will have an expiry date on it, up to five years in the future. So let us say that you are a bad person who has found a bank card, you decide to take a photo of it, but then track down the owner and give them the card back. You have now made it look like you are good people, happy to help.

However, you still have a photograph of the card, so in a few years time you can use those card details to pay for goods online, or via contact less payment using a mobile phone. The card owner is baffled as to how someone has used their card, and would never suspect the person who found it and gave it back to them.

So, if you find a card, don’t track down the owner and give it back, you are not really being helpful and could end up being questioned by the police years later as a suspect should those card details ever be used fraudulently. If someone does find your card and gives it back to you, you should still cancel the card and get a replacement.

So then what should you do if you find a card?

On the back of the card there will be a phone number, probably a free number, that you should ring if you happen to find a lost card. The bank will then contact their customer to advise them, you don’t need to play private detective to be a good person.

“Oh but they might need that card, they have children to feed”, and those children will better looked after by you helping ensure that their parents money is safe. The card owner can request an emergency replacement card that will be delivered in one working day.

That is the right thing to do, that is what a good person would do. Sorry, I know that doesn’t get you lots of likes on Facebook, but doing good deeds isn’t about the credit that you get, it is simple about just being a good person even when no one is watching.

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