Lost and found credit card question.

[Wingedharpy]

Posting here for traffic:
DH lost his credit card today.
He retraced his movements and thankfully, it had been found and that honest person handed it in to the petrol kiosk attendant.
We are currently having a heated debate as to whether or not he needs to report it to the CC company.
I say he should as the card details could have been copied and therefore it could be used in future for some random on line purchase.
He says, no need to report as they don't have the PIN number.
He's a bit of a dinosaur and doesn't appreciate that you don't need a PIN to shop on line.
WWYD?
Thanks.

If contactless report as no pin required and several transactions can be made in a day

i d always cancel the card

No I probably wouldn't report it but I'd watch out for transactions I didnt recognisr

Definitely contact them otherwise he wont have a leg to stand on if any unauthorised purchases have been made. Why wouldn't he? He has nothing to lose by contacting them. No brainer really.

How long was it missing? I suppose he could phone and see if there are any pending transactions and see what they advise

I would absolutely report it

The answer is probably buried in some complex small print document that the card issuer provided but easiest thing is to check on their website.

Big and obvious risk that if he doesn’t report and there is later a fraud he will not be compensated and will be out of pocket.

always cancel.
it only takes a smart phone to photograph both sides and go rogue online shopping

I wouldn't, but I would closely monitor my account over the next few days. Helps that I have online banking and apps to do that.

I don't think a crook would skim or copy the card then hand it in. It's needless effort for the crook and they're getting their own face on the CCTV, own fingerprints all over the card. Surely all but the dumbest crooks would just stash the card or throw it away?

Cancel it. Mad not to

@dementedpixie: Approximately a couple of hours missing. He has the card back now so no random rogue can be running around contactless shopping with it.
He's a stubborn mule though and doesn't appreciate that not everyone uses a CC like he does.
The risk of later fraud is a good point @UnrelentingFruitScoffer and I suspect mentioning lack of compensation to him will be the boot up the bum he needs to phone them and report.
Thanks all.