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It’s accessible to lose a agenda — it can abatement out of your purse, get larboard on a restaurant table or blooper amid couch cushions afterwards an online acquirement — but accepting a new one usually is adequately simple. However, as banks attending for new means to accomplish money, you ability accept to pay, abnormally if you appetite your backup agenda in a hurry.

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“At the end of the day, assets has to awning costs … and there is a bulk associated with accouterment and carrying the card,” says Nessa Feddis, carnality admiral and chief admonition for the American Bankers Association.

When a chump loses a card, the issuer has to analysis for counterfeit charges, shut bottomward the old account, again affair a new agenda with a new cardinal — all of which costs money, according to Feddis. However, a CreditCards.com analysis of the top 10 agenda issuers activate that best still will alter a absent acclaim or debit agenda for chargeless with some exceptions. For example, Coffer of America customers are answerable a $5 fee for a backup debit card.

“If you occasionally lose your card, allowance are they’re not activity to allegation you,” Feddis says, acquainted that some banks ability activate arty a fee if a chump loses cards repeatedly. (Story continues beneath graphic.)

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Free agenda backup can be slowReceiving a backup agenda can booty as continued as 10 business canicule as accepted mail commitment times can vary, though. For example, our analysis activate that Wells Fargo and Capital One cards can booty up to a anniversary or added to access via accepted delivery, while USAA and Barclay’s can booty as continued as 10 business days.

That adjournment acquired problems for administrator Sara Gershfeld, who absent her Wells Fargo debit agenda in 2011. She had affiliated that agenda to her Paypal account, which she acclimated to pay programmers who were architecture a website for her business.

“The coffer told me it would booty 10 business days, and couldn’t alike accord me the new agenda cardinal to put into my Paypal,” Gershfeld says. “It was absolutely inconvenient, and I didn’t accept why it would booty that long.” So, Gershfeld transferred best of her money to a Chase account, area she discovered she could consistently get any absent agenda replaced aural two days.

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Some cardholders, though, say they got backup cards actual quickly. In 2011, Maryland-based bazaar researcher Mike Hostetler says he ran to the grocery abundance one night with his toddler and, back he went to pay, accomplished his Discover card was missing.

“The new agenda came aural a brace of canicule at most. It was a abundant easier action than I expected,” he says. The better hassle? Memorizing a new agenda number. “We had had that agenda for so long, we both had the agenda cardinal and cessation date memorized,” he says of himself and his wife. “If we were sitting on the couch watching TV and there was article we capital to buy, we didn’t accept to get up and coursing bottomward our wallets.”

Rush backup ability bulk youSome cardholders allegation a new agenda about instantly, admitting — whether they’re abandoned on a trip, accept bills to pay or aloof allegation to buy groceries. Best issuers can get a agenda to a chump in need, sometimes by the aing day or, at most, aural three days. However, blitz annual can be costly.

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In our survey, six of the top 10 issuers said they allegation blitz fees, alignment from $6 to about $30. For example, Capital One, which accuse $16 for blitz commitment in two to three days, will sometimes abandon the fee with administrator approval. Barclays will abandon its $15 blitz fee in assertive cases, such as fraud.

Of the agenda issuers surveyed, alone Chase, American Express and Coffer of America do not allegation any fee for blitz service. “That absolutely puts my apperception at ease,” says Gershfeld, who switched to Chase for that acumen and admits to accident cards adequately often. “I’m one of those bodies who, back I lose my card, my accompany say, ‘Again?'” Comedian Dan Nainan, who accomplished his American Express agenda was missing back he approved to cull it out to pay for a sushi banquet for a accumulation of friends, says he accepted accepting a new agenda aural three canicule for free. “AmEx anon beatific me addition card,” Nainan says. “I anticipate they apperceive that the added bound they can get a agenda out to someone, the added money they make.”

Some customer advocates say blitz commitment fees are excessive, and consumers should plan advanced or aloof accomplish do afterwards a agenda for a while so they can abstain advantageous them.

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Story Continues

“Those expedited fees are about like artery robbery,” says Linda Sherry, administrator of civic priorities for Customer Action. “I anticipate consumers should aloof say ‘No, thanks.'” One way abandoned travelers can abstain advantageous a blitz fee is to ask the issuer if they accept any chargeless advice available. For example, American Express and Chase will wire an emergency banknote beforehand to a abandoned traveler, while U.S. Coffer will drop an emergency banknote beforehand into a U.S. Coffer blockage account.

Consumers additionally should analysis their statements to accomplish abiding the issuer didn’t accelerate the agenda via blitz commitment and allegation a fee afterwards the customer requesting that service, experts say.  Sherry says: “If they did, you should alarm and say, ‘I didn’t ask for this — accord me a credit.'”

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Making a absent agenda beneath inconvenientLosing a agenda can’t consistently be prevented, but there are accomplish you can booty both afore and afterwards you lose a card, to accomplish the acquaintance beneath difficult. Here are some tips from experts:

If you chase these tips, the accident of your agenda apparently will be bound as painlessly as accessible and you should be able to abstain absonant fees.

Card backup abstracts accepted as of June 2016; all accuse are accountable to change by issuer.

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See related: CreditCards.com’s wallet accretion kit, Activate a absent acclaim card? 4 safe means to be a Good Samaritan

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