As for calling the number on the back, you're going to find differing levels of service from whomever answers depending on the bank/issuer involved.
With AMEX, I've had nothing but tip top customer service from Canadian based operators. I have no doubt they'd process a report of a "found card" correctly.
With CapitalOne, it would be routed to "Mike" in India, who would fumble around, log a ticket request to make it look like he was taking action, but in reality, nothing would really be done. Might as well just cut it up.
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