Compromised, Stolen, Lost, or Damaged Credit Card? Maya's High-Tech Security Solutions Has You Covered

When you discover that your Landers Cashback Everywhere Credit Card (LCECC) is damaged, lost, or stolen, it's crucial to act swiftly to protect both your card benefits and your financial security. The longer your card remains compromised, the greater the risk to your account and personal information. Thankfully, as the leading digital bank in the Philippines, Maya offers advanced security measures designed to safeguard your assets. Reporting the issue to Maya and following the necessary steps to minimize further risks are also very simple to do and are stress-free processes. In this short article, we’ll cover the things you should do if your card is ever compromised.

For Damaged Cards, Request to Have Them Replaced Immediately

If your credit card is damaged, it's essential to request a replacement as soon as possible. A damaged card can become difficult to use, potentially leaving you unable to complete transactions when you need to. Moreover, your damaged card could compromise the functionality of the EMV chip. By promptly requesting a replacement, you can ensure secure online credit card transactions and cashless in-store payments without worry. To have your damaged Maya credit card replaced, simply follow these steps:

  1. Tap on the Maya app and log in to your account.
  2. Go to “Cards” and select your credit card.
  3. Tap the gear icon to open your card settings.
  4. Select “Card Security” then “Replace This Card.”
  5. Select “My Card Got Damaged” as the reason for replacement.
  6. Once your card is canceled, tap “Order a new Card” to get a replacement.

Keep in mind that card replacement fees may apply.

For Lost, Compromised, and Stolen Cards, Cancel Them Immediately

In the unfortunate event that you have a lost Maya credit card or one that’s been compromised or stolen, it’s imperative to cancel it immediately. Time is of the essence in such situations because the longer your card remains active, the higher the risk of fraudulent charges being made using your card by criminal actors. Deactivating your Maya credit card is easy. All you have to do is log in to your Maya account and do the following:

  1. Tap on the Maya app and log in to your account.
  2. Go to “Cards” and select the compromised credit card.
  3. Tap the gear icon to open your card settings.
  4. Select “Card Security” then “Replace This Card.”
  5. Select “I Lost My Card” or “My Card got Stolen” as the reason for replacement.
  6. Once your card is canceled, tap “Order a New Card” to get a replacement.

Some fees may apply when replacing a lost or stolen credit card.

Take Preemptive Measures with Limits and Controls

In addition to the steps for handling a lost, stolen, or damaged credit card, it’s essential to be proactive about your card's security. Maya provides features that allow you to control how your card is used, giving you unmatched peace of mind.

If you believe you just misplaced your card but aren’t ready to cancel it, you can easily toggle off all transactions in the app under the Limits and Controls section. This temporary measure prevents any transactions from occurring, ensuring that your card remains safe while you search for it.

Here’s how to manage your card’s limits and controls:

  1. Log in to the Maya app.
  2. Go to “Cards” and select your credit card.
  3. Tap the gauge icon to access the “Limits and Controls” screen.
  4. Toggle off all transaction types to prevent any unauthorized use.

This feature allows you to maintain control over your card, ensuring that even if it’s lost momentarily, no transactions can take place until you’re ready to reactivate it.

Report Unauthorized Charges to Maya Support

If you notice an unauthorized purchase on your in-app transaction list, it’s crucial to act quickly to protect your account. The first step is to disable online payments on your card to prevent further unauthorized transactions. Here’s how to do it:

  1. Open the Maya app and go to the “Cards” tab.
  2. Select your credit card.
  3. Tap the gauge icon to open “Limits and Controls.”
  4. Under “Allowed Methods,” tap the green toggle button next to “Online Payments” to disable it.

Once you’ve disabled online payments, take note of the details of the unauthorized transaction in your credit card history, including the transaction amount, date, and merchant information. This information will be vital when reporting the incident.

Next, contact our support team to report the unauthorized charge:

  1. Go to “Profile” on the app.
  2. Tap “Get Help.”
  3. Scroll to the bottom and tap “Chat with Us.”
  4. Tap “Maya Support” and “Start a New Chat.”
  5. Choose a topic related to unauthorized charges.
  6. When asked if the article was helpful, tap “No.”
  7. Tap “Raise a Ticket” or “Chat with an Agent” for further assistance.

Promptly reporting unauthorized charges not only helps protect your account but also assists in the investigation of the incident, ensuring that you can recover any lost funds.

Update Your Login Information and Card Pin

After reporting the issue and securing a replacement card, it’s vital to update your login information and card PIN. Hackers, fraudsters, and other criminal actors often use compromised card information to gain access to online banking accounts and other financial platforms. As such, changing your password and PIN provides you with an extra layer of security to your accounts, making it more difficult for unauthorized users to gain access.

To change your Maya App account password, do the following:

  1. Open the Maya App and tap on the profile icon on the upper-left-hand corner of the home screen.
  2. Click on “Settings.”
  3. Click “Change Password” and follow the steps to change your password before clicking “Save.”

When creating a new password, avoid using easily guessable information like your full name or the date you were born. You should also consider combining upper and lowercase letters, numbers, and special letters to make the password more difficult to figure out.

To change your PIN, open the Maya App and do the following:

  1. Go to “Cards” and select your credit card.
  2. Tap the gear icon to open your card settings.
  3. Select “Card security” then “Change card PIN.”

It’s recommended to regularly update your login credentials and PIN to secure your current accounts. This also helps you instill a habit in yourself of abiding by robust security practices, protecting your finances and private information in the long run.

We’ve made the Landers Everywhere Cashback Credit Card one of the most secure credit cards in the Philippines. With these tips, you can rest assured that your account and private information will remain safe in case your credit card is stolen, lost, damaged, or compromised.

If you have other questions, such as “how to ensure safe transactions,” click here to be redirected to our support page.

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