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My cards I was/wasn't able to freeze/lock

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Community Leader
Super Contributor

My cards I was/wasn't able to freeze/lock

So, as kind of a follow up to my previous thread of where my Navy card had fraud on it,  I decided to do a little more research into freezing or locking my cards with current lenders. The more I thought about it, the more I decided it was a good thing. 

 

The following cards/lenders I was able to lock/freeze.....

 

~Navy credit 

~Navy Debit

~Chase Amazon Visa

~Cap1 Venture

~Discover it

~Sams Club Mastercard

 

 

The following card/lenders did NOT have the feature to freeze or lock (that I could find), and a few I was surprised the feature wasnt offered....

 

~My store cards (not surprised)

~Nordstrom Visa

~Alliant Visa

~Penfed Visa

~US Bank Visa 

~BOFA Mastercard

~USAA Visa

 

Hopefully unlocking the cards when I need too will be a painless act as I would mostly end up doing it via mobile app, and actually unfreeze instantly in their system with no wait or lag time.  Curious if others take advantage of this feature, or not?

 

 


My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 1 of 16
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Super Contributor

Re: My cards I was/wasn't able to freeze/lock


@pizza1 wrote:

Hopefully unlocking the cards when I need too will be a painless act as I would mostly end up doing it via mobile app, and actually unfreeze instantly in their system with no wait or lag time.  Curious if others take advantage of this feature, or not?


Only if I've actually misplaced a card...not as a regular state for a SDed one.

 

It certainly is useful.

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Message 2 of 16
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Established Member

Re: My cards I was/wasn't able to freeze/lock

I have only froze a discover card that I left at a restarant. Super easy to unfreeze.


Message 3 of 16
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Valued Contributor

Re: My cards I was/wasn't able to freeze/lock

4 of my 7 cards have this feature, but I haven’t had to use it yet.

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Message 4 of 16
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Moderator Emeritus

Re: My cards I was/wasn't able to freeze/lock

pizza1 USAA allows for the "Block" or "Unblock" all credit and bank cards. Go to the very bottom of the landing page and scroll through the options. Actually pulled it up to check and everything was there.

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Message 5 of 16
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Moderator Emeritus

Re: My cards I was/wasn't able to freeze/lock

pizza1 ... great post of good usable information! Smiley Happy

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Message 6 of 16
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Super Contributor

Re: My cards I was/wasn't able to freeze/lock

Woohoo for frozen cards lol!

 

To add to the DPs,

 

BBVA - freeze in app

SSFCU - freeze on website 

Sync PayPal - nope 👎 




Message 7 of 16
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Moderator

Re: My cards I was/wasn't able to freeze/lock


@Dinosaur wrote:

pizza1 USAA allows for the "Block" or "Unblock" all credit and bank cards. Go to the very bottom of the landing page and scroll through the options. Actually pulled it up to check and everything was there.


+1

 

It's easy-peasy using the app as well.  While looking at the card's transactions, click the 'three dots' (on Android) in the upper-right corner to open the 'Account Menu' and it's the third option. 

 

I tried to take a screen shot, but the USAA app permissions won't allow it.  Smiley Frustrated

Message 8 of 16
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Frequent Contributor

Re: My cards I was/wasn't able to freeze/lock

You can lock/unlock BofA checking account debit cards. It's easy through the mobile app.

I do not have a credit card through them so I can't verify on that end.

 

USAA also has this feature.

BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

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Message 9 of 16
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Community Leader
Super Contributor

Re: My cards I was/wasn't able to freeze/lock

The question though is.....How do lenders look at you just freezing your cards at will for "no real reason", and just leaving the freeze in place.

The freeze or lock is there if you "misplaced your card until you find it again', and "if you think your card was stolen". But what about just freezing because you want too, and freezing/unfreezing it multiple times possibly a month?

Does that raise a red flag on your account or with the lender?


My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 10 of 16
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