Penfed Lock Feature

[Anonymous]

Today I was looking on Penfed's website and I noticed they finally added the ability to lock your cards. I got my Penfed card last year and didn't see this feature. They might have added it sometime this year and I'm just noticing.

now it's Bank of America's turn.

[Yasselife]

@Anonymous 

Do you recommend having your cards locked while not using them? I only use it on one card that I have for unsecured places; mobile/contactless pay for the rest.

[Anonymous]

@Yasselife yes I would recommend anyone to lock their card if they have it in a "sock drawer".

[805orbust]

This may be the STUPIDEST question ever, but does locking it only affect its usage?  Or is there some sort of reporting to the bureaus?  I may be showing my age here, gimme a break  

[cashorcharge]

---

@805orbust wrote:

This may be the STUPIDEST question ever, but does locking it only affect its usage?  Or is there some sort of reporting to the bureaus?  I may be showing my age here, gimme a break  

---

Locking the card is only related to using it for a purchase. It still reports. You can lock, unlock, use the card then relock in moments. They do NOT have this feature for their debit card which seems odd as the CC's do...

---

[805orbust]

ahhhh, ok.  Gotcha.  Makes sense.  Of course they don't care with Debit cards because it's not their money at stake.  

[NoMoreE46]

---

@805orbust wrote:

This may be the STUPIDEST question ever, but does locking it only affect its usage?  Or is there some sort of reporting to the bureaus?  I may be showing my age here, gimme a break  

---

Not a dumb question.  If I recall correctly, Barclays will remind you after  a certain timeframe  that if you leave their card locked for more than six months it may close out the account ...

[creditfan]

I have been waiting for these to lock their debit card since it randomly frauds all the time

edit: only see this feature in credit card but not debit. ridiculous. LUCKYLY, I haven't activated mine since replacement from fraud

[805orbust]

@NoMoreE46 thanks for cushioning my ego. And finally I find something that Barclay's excels at!