Locking and unlocking your credit card

If your credit card has been temporarily misplaced, locking it will prevent new purchases, cash advances, ATM activities, or balance transfers. When locked, recurring transactions to a merchant or service provider, such as subscription services, will post to your account as usual.

Experiencing a disruption with your credit card?
Call the Cardmember Service number on the back of your card


Locking your personal credit card account will lock all cards associated with that account, including all joint owners and authorized users. Keep in mind, your account number doesn't change when you lock your card, and your card will remain locked until you unlock it.

After you lock your card, certain activities will continue, like returns, credits, dispute adjustments, payments, account fees, interest, rewards redemptions, and other exempted transactions.

When to lock your credit card

Lock your card if it has been temporarily misplaced. However, if you think your card is lost or stolen, or you see fraudulent activity on your account, please contact customer service for assistance so we can send you a new card (or cards) with a new account number.

How to lock your credit card

To lock or unlock your card, either use the Manage card lock button at the top of the page or go to the Lock or unlock your card page by:

  1. Logging into your credit card account
  2. Selecting the Account Services tab
  3. Selecting Lock or unlock card

If you prefer to lock your card using the mobile application, you can log in to your credit card account in the app, select the Services tab, and then select the Lock or unlock card option. Your card will stay locked until you unlock it. For personal credit card accounts, this will lock all cards on your account.

How to unlock your card


Certain types of maintenance requests are restricted when the account is locked. For example, you will not be able to make balance transfers or place travel notifications.

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Dispute a transaction

If a transaction appears to be incorrect, learn how to dispute it