Research and Statistics

Found a lost credit card? 4 safe ways to be a Good Samaritan


If you find someone’s credit card, your first thought is probably to do the right thing by making sure it doesn’t get into the wrong hands. But there is some risk involved in being a Good Samaritan, depending on the option you choose

The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we may receive compensation when you click on links to products from our partners. Learn more about our advertising policy.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Please see the bank’s website for the most current version of card offers; and please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

If you find someone’s credit card in a store or on a sidewalk, your first thought is probably to do the right thing by making sure it doesn’t get into the wrong hands. But there is some risk involved in being a Good Samaritan, depending on the option you choose.

The biggest risk is in deciding whether to track down thfe owner. You could ask around in the area where you found the card, but there’s always the chance the wrong person will claim it. You might find someone with the same name in an Internet search or on Facebook, but if that person is not the owner of the card, you’re opening yourself up to a connection you don’t want. And even if it is the right person, you can’t predict how he or she will react. The owner may question your involvement or motives.

Another possible risk lies in possessing a credit card that isn’t yours. For this to be a legal problem for you in most states, a prosecutor would have to prove that you knew or should have known the card you have was stolen and that you had the intent of using it or selling it. But in Florida, a state plagued with high credit card fraud, the legislature in 2011 approved a law removing the need to prove intent to use or sell such a card.

Found a lost credit card? 4 safe ways to be a Good Samaritan The Florida legislation also increases the penalty for possessing a knowingly stolen credit card from a misdemeanor to a third-degree felony.

Given the conceivable problems of either tracking down the owner or hanging onto the card, there are better options:

1. Destroy the card: That way, you remain anonymous. The owner will likely report the card missing and will get a new one, but no one will be able to use the lost card in the meantime. Don’t just toss it in the garbage, however. Shredding is good, but you have to make sure that you have a shredder that can handle cutting up a credit card. Even after shredding, put the pieces in separate garbage bins, just to be safe. If you’re cutting it up with scissors, make sure you cut through the numbers, signature and magnetic stripe and, again, put the pieces in separate trash cans. Dumpster divers can piece numbers together. Remember, thieves don’t need the whole credit card, just the numbers.

2. Give it to a cashier: This works best in a place that has a customer service desk — a department store, for example. “In the retail environment, all the clerks and managers are trained to send cards back to the cashier’s office — the central lost and found,” says Los Angeles-based security expert and author Chris McGoey. The likelihood is that the person is still in the store or has just returned home. “Wouldn’t it be nice if you could just go back to the store and pick up your card?”

3. Call the number on the back of the card: If you can’t find a responsible merchant around immediately, call the number on the back of the card. Instead of entering the card number, press 0 to get an operator or customer service person. They will likely thank you and tell you to destroy the card. “That way, the credit card company will document the call, and they will be able to verify there was no unlawful use of the card by the time you called,” McGoey says.

4. Contact police: Denise Richardson, consumer advocate and ID theft expert in South Florida and author of “Give Me Back My Credit!” says this is the option she would recommend. By calling police, you’ve done your part, she says. And if they tell you to contact the card company, you’re on record as having contacted the police.


VIDEO: How to cut up a credit card
the right way

Cynthia Drake and her “crime-fighting shears” show you how to cut up a credit card to best prevent credit card fraud.

Richardson says the Florida bill is meant to go after fraudulent use, but she’s afraid people will stop picking up credit cards because of the ambiguity of the bill. The bill specifically excludes retailers and retail employees who may be in possession of others’ cards, she notes, but it doesn’t exclude an average person who happens upon a card. But doing nothing when you see a card won’t solve the problem, she says.

“If you just step over it and say, ‘That’s not my problem,’ then that’s not going to do anything to reduce the risk [of fraudulent use]. Then people with bad intentions will pick it up.”

Al Marcella, an expert on information security and a professor at Webster University’s business school in St. Louis, says it’s still OK to be the good guy. He says the risk of prosecution from you picking up the card is negligible — as long as you act ethically and within a reasonable amount of time.

Most people would be glad if someone made a call that resulted in canceling the credit card, he says.

“It would obviously be a kicker if you’re traveling somewhere and your card is deactivated,” Marcella says. “Still, I’d rather have that happen than to have someone who may not be acting ethically engage in some unauthorized transaction on the card.”

See related:  How to pick the perfect shredder, How to cancel a credit card the right way

What’s up next?

In Research and Statistics

Rate survey: Credit card APRs unchanged this week

The average annual percentage rate (APR) on new credit card offers was unchanged this week, staying fixed at 14.83 percent, according to the Weekly Rate Report.

Published: June 1, 2011

See more stories
Credit Card Rate Report Updated: September 11th, 2019
Cash Back

Questions or comments?

Contact us

Editorial corrections policies

Learn more

Join the Discussion

We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers. Anything you post may be disclosed, published, transmitted or reused.

The editorial content on is not sponsored by any bank or credit card issuer. The journalists in the editorial department are separate from the company’s business operations. The comments posted below are not provided, reviewed or approved by any company mentioned in our editorial content. Additionally, any companies mentioned in the content do not assume responsibility to ensure that all posts and/or questions are answered.