Whether it happens on a bustling street or in the quiet corner of your home, realizing that your credit card is missing is never a pleasant feeling. At this moment, time is your best ally, the faster you act, the lower the risk. When your HSBC credit card is lost, the top priority is not to panic or blame yourself, but to take the right action immediately.
This is the most crucial step in the entire process. Once you confirm that your card is lost or stolen, stop whatever you are doing and call HSBC’s 24-hour year-round credit card service hotline right away. Clearly explain your situation to the customer service representative and request to process the “card loss and suspension”.
📞 HSBC (Taiwan) Credit Card 24-hour Service Hotline:
💡 Professional Tip: Save these numbers in your phone contacts under the name “HSBC Emergency Hotline” for future reference.
During the call, the customer service representative will verify your personal information to confirm your identity, which may include your name, ID number, and date of birth. Once confirmed, your credit card will be immediately locked to prevent any unauthorized transactions.
In Taiwan, most banks charge a handling fee for reporting a lost credit card (usually around NT$200), but the exact amount is subject to HSBC’s current policy. During your call to report the loss, you can also confirm the following information with the customer service representative:
The answer is no. To protect your account security, once the card loss procedure is completed, all functions of that credit card (including the physical card and mobile payment bindings such as Apple Pay or Google Pay) will be permanently deactivated and cannot be restored. Even if you are lucky enough to find it later in your sofa or an old jacket pocket, it can no longer be used. This measure is designed to completely eliminate the risk of card misuse.
Compared with losing a physical card, receiving a transaction notification or bill for a purchase you did not make can be even more unsettling. This indicates that your card information may have been compromised and used for online or other forms of fraudulent transactions. When facing credit card fraud, follow these “three golden steps”.
If you receive a suspicious SMS, email notification, or discover unknown charges while reviewing your e-statement, take action at once. Do not hesitate, call the 24-hour customer service hotline listed above immediately. Explain your situation to the representative and clearly state which transaction or transactions were not authorized by you.
The bank will immediately place your card under “risk control lock” and assist you in identifying the details of the fraudulent transactions. It is also recommended that you take screenshots of the suspicious transaction notifications as evidence.
After reporting to customer service, the next official step is to complete the “Credit Card Disputed Transaction Declaration Form”. The customer service representative will guide you on how to obtain this form (it can usually be downloaded from the official website or sent to you by mail or fax). You need to:
Once the bank receives your application, it will initiate an internal investigation. During the investigation period, you are “temporarily not required to make payment” for the disputed amount, and the bank will not charge revolving interest or penalty fees. When handling credit card transactions, understanding their security is essential. For more information on the safe use of credit cards across different platforms, refer to our 【2025 Binance Deposit Guide】 for a complete overview of credit card deposits, P2P transactions, and withdrawals in Taiwan.
Although most banks do not require customers to provide a police report when handling credit card fraud cases, if the fraudulent amount is significant or you wish to further protect your rights, it is definitely wise to report the case at your nearest police station. After obtaining the “Criminal Case Report Form”, you may provide a copy to the bank. This helps clarify responsibility and serves as a deterrent to potential offenders.
To help you reach HSBC as quickly as possible, we have compiled all the key contact channels. It is recommended to bookmark this page or take a screenshot and save the information on your phone.
If you lose your card or need assistance while abroad, you can make a collect call to:
+886-2-6631-6666
When using your credit card overseas, pay extra attention to transaction security to avoid unnecessary risks. Stay informed about related knowledge on overseas spending for better protection.
If it is not an emergency card loss situation, you can also use the “Online Customer Service” feature on the HSBC Bank official website or online banking platform to chat with a customer service representative and handle billing or account inquiries.
When facing a lost or fraudulent HSBC credit card, the most important golden rule is to “take immediate action”. This article has outlined the complete steps from contacting HSBC credit card customer service and reporting the card loss to applying for disputed transactions. Remember, staying calm, acting quickly, and verifying information are the three key principles to protect your assets. It is recommended that you save the HSBC credit card customer service hotline on your phone now to stay prepared. This way, if an incident occurs, you can protect your financial security right away and minimize potential losses.
In general, as long as you can prove that the transactions were not made by you, most banks provide a “zero liability for lost card” protection. In Taiwan, cardholders are typically only responsible for fraudulent transactions made within 24 hours before reporting the loss, and the maximum liability is capped (usually at NT$3,000). If you report the loss immediately upon receiving a notification or realizing the card is missing, you will not be liable for any fraudulent transactions made after the report. For detailed regulations, please refer to the related provisions of the Financial Supervisory Commission.
The processing time varies depending on the complexity of the case. The bank needs to verify the transaction by requesting signed slips or transaction records from the acquiring institution or merchant. In general, domestic transactions take about 30 to 45 days to process, while transactions involving overseas merchants may take longer, around 60 to 90 days. Please be patient during the investigation period and keep an eye on any notifications from the bank.
Learning more about financial products can also help you better protect your assets. For example, to understand different transaction methods across platforms, refer to the 【Binance Deposit Guide】, which also covers payment security topics.
Not at all. Reporting a lost or stolen credit card and requesting a replacement is considered a security maintenance measure, not a record of poor credit. As long as you continue to maintain good payment habits, your credit score will not be negatively affected.
