How To Report a Stolen or Lost Credit Card to RBC Royal Bank

  • 3 min read

One of the biggest issues with having credit card lost or stolen is that there can be potential liabilities because of fraud that is committed with the card. That’s why it is incredibly important to report your RBC Royal Bank credit card as soon as you discover that it is not in your possession. It is better to cancel the card and find it later then it is to allow open access to a card that is not in your possession. The first step is to contact RBC Royal Bank at 1 (800) 769-2512 to report that the card is not in your possession.

If you happen to be travelling and are outside of North America, you may also call this number collect: (416) 974-7780.

Do You Suspect Someone Has Been Using Your Card?

You can still be in possession of your RBC Royal Bank credit card and have it be stolen. If you suspect that someone has your credit card information and personal information, then call the toll free number listed above to report this immediately. There are a number of ways that you can tell if your credit card information has been potentially stolen.

  • There are numerous charges on your RBC Royal Bank statement that you do not remember making.
  • You have stopped receiving regular statements from RBC Royal Bank, either paperless or the traditional postal method.
  • You are receiving collection calls from RBC Royal Bank for past due balances that you did not create.

As soon as you inform the representatives at 1 (800) 769-2512 that your credit card has been lost or stolen, a block will be immediately placed on your account. That block will not be removed until a new card is issued and in your possession so that you can activate it. It takes 3 business days to receive the new credit card in most instances, no matter where in the world you happen to be at the time.

You Can Cancel Multiple Credit Cards At Once

Many customers of RBC Royal Bank of multiple credit cards that may reflect multiple accounts. If you suspect that your primary information has been compromised, all of your accounts can be blocked, stopped, or halted if you suspect fraud.

As an added complimentary service, you may also register all of your credit cards with the card registry service of RBC Royal Bank. With one call to the toll-free number, you can immediately cancel all of your credit cards, even those from different issuers, lenders, or banks, with just one phone call. If your wallet or purse is lost or stolen, just contact the registry center and you’ll be able to request a cancellation of each account and have replacements issued.

You may also report your credit card as lost or stolen through the RBC Royal Bank online customer service portal. Just log into your account, email customer service through your dashboard, and complete the process. In doing so, you’ll also create a written record that can help to limit any potential future liabilities from use of your card without your explicit permission.

Christopher - BSc, MBA

With over two decades of combined Big 5 Banking and Agency experience, Christopher launched Underbanked® to cut through the noise and complexity of financial information. Christopher has an MBA degree from McMaster University and BSc. from Western University in Canada.