I didn’t lose my wallet, but my girlfriend did.  There are few things in life I hate more than replacing the content of a wallet.  I hate being without my cards (credit cards, debit cards, and ID), but what I hate even more is getting everything replaced.  I hate the uncertainty of not knowing if I will find the wallet or not.  Of course whenever I’ve actually do find a lost card, it’s always when I’ve already replaced it - sometimes that’s the most frustrating part of it all.

So, I didn’t lose my wallet, but I am directly affected beyond just being collateral damage.   My girlfriend has two credit cards that are mine that I’ve given her to use so she can buy groceries and such when I’m not there.  Her losing her wallet is a direct impact on my credit cards.

I called immediately to put holds on the accounts, and was disappointed to learn I could only place a hold my entire Chase account rather than on any single card.  Given that I use this card, and my parents carry another for emergencies, putting a hold on the entire account is less than ideal.

My American Express is another story.  I was able to individually put a hold on a specific card rather than the entire account.  Each card has a different number.   Given that this card is my primary credit card - the first card I plunk down to pay a bill - I really appreciate not having to put a hold on the entire account.  I am surprised to learn that not all credit cards would implement such a system for extra cards.  I guess it’s just another reason my American Express is my preferred credit card.