When Should I Lock My Credit Card Jun 2026

Before we look at the "when," let’s look at the "what." When you lock your credit card (also sometimes called a "freeze" or "turn off"), the account remains open, but the card number is temporarily disabled for new purchases.

This is the most common scenario. You are rushing out the door, or you’ve left a restaurant, and your card isn't where it should be. when should i lock my credit card