Sika kotoku a ayera anaa wɔawia: kaad a wɔde ahyɛ frigye mu ne ID ahorow a wɔde besi ananmu¶

Sɛ wuhu sɛ wo sika kotoku anaa wo sika kotoku no nni hɔ a, ɛkanyan ehu ntɛm ara. Nnɛyi akorɔmfo ntaa ntwɛn nnɔnhwerew pii mfa nsɔ credit ne debit card a wowiae nhwɛ. Kotokufo a wɔahyehyɛ wɔn ho ne nsɛmmɔnedifo a wɔpɛ hokwan no nantew kɔ baabi a ɛbɛn wɔn a wɔtɔn wɔn ankasa nneɛma, afiri a wɔde fa tekiti, anaa ɛlɛtrɔnik mfiri aguadidan a ɛbɛn hɔ no tẽẽ kɔtɔ nneɛma ntɛmntɛm a wɔmfa wɔn ho nhyɛ mu ansa na woahu mpo sɛ aboa nhoma anaa ntama ayera. Bere koro no ara mu no, karka tumi krataa a wowia, ɔman ho adansedi krataa, anaa adwuma ho badge de wo mmara kwan so din nyinaa, da a wɔwoo wo, fie address, wo nipadua, ne wo nsaano nkyerɛwee awia wo nsa.

Mfa dɔnhwerew biako nsan nhwehwɛ w’anammɔn anaasɛ nhwehwɛ baabi a wɔde kar sisi ansa na woabɔ wo sika. Ɛdenam wo kaad ahorow a wode bɛto wo mobile banking application ahorow mu wɔ simma anum a edi kan no mu so no, wutwa sikasɛm mu korɔnbɔ no mu ntɛm ara bere a woda so ara ma wo ho bere de hwɛ sɛ ebia sika kotoku no hwee kar mu nkongua ase anaa. Sɛ sika kotoku no amma wɔ simma du a wode w’adwene asi hwehwɛ mu akyi a, dan fi hwehwɛ mu ntɛm ara kɔ kaad a wobɛpopa daa, sika a wode bɛbɔ bosea a mmara ma ho kwan, ne nkrataa a wode besi ananmu so.

Yɛ eyi mprempren¶

1. To debit ne credit card biara mu ntɛm ara wɔ wo mobile banking apps mu. Ansa na wobɛfrɛ obiara anaa wobɛhwehwɛ ɔdan bi mu no, bue wo banking apps wɔ wo smartphone so na sesa card lock anaa freeze nhyehyɛe a ɛwɔ debit ne credit card biara a na ɛwɔ wo sika kotoku mu no. Sɛ wɔfow wo honam fam, wɔtow hyɛɛ wo so, anaa wohunahunaa wo bere a worewia ade no a, tu kɔ baabi a ahobammɔ wɔ na frɛ wo mpɔtam hɔ nɔma a egye ntɛmpɛ (911 wɔ United States ne Canada, 112 wɔ Europa Aman Nkabom no nyinaa mu, 999 wɔ United Kingdom) anaa hwɛ yɛn directory of nɔma ahorow a egye ntɛmpɛ ntɛm ara.
2. Mfa simma 10 nhwɛ nneɛma a atwa wo ho ahyia ntɛm ara. Hwɛ wo kotoku kotoku, bag a wɔde ahyɛ mu, kar fam ntama, ne ɔkwan a ɛda wo kar nkongua ne mfinimfini console ntam. Frɛ adidibea, sotɔɔ a wɔtɔn nneɛma, anaa adwumayɛfo a wɔde kar fa nnipa a wufii hɔ nkyɛe no pɛpɛɛpɛ, na sɛ wɔankyerɛ sɛ sika kotoku no wɔ wo nsam wɔ simma 10 ntam a, fa biribiara a ɛwɔ mu no sɛ nea wɔasɛe no koraa.
3. Frɛ wo sikakorabea ne wɔn a wɔde kaad ma no na wɔntwa kaad no mu daa na wɔmfa mma bio. Kaad a wobɛto mu wɔ app mu no yɛ bere tiaa mu home kɛkɛ. Frɛ wo sikakorabea no nsisi dwumadibea a wɔyɛ adwuma nnɔnhwerew 24 no na bɔ kaad a ayera anaa wɔawia no ho amanneɛ sɛnea ɛbɛyɛ a wɔbɛtwa kaad nɔma a ɛwɔ ahinasa 16 a wɔasɛe no no mu, atwa honam fam token ahorow a wonni nkitahodi mu, na wɔde akontaabu nɔma foforo amena kaad a wɔde besi ananmu no.
4. Fa wo debit ne ATM kaad di kan. Wɔ sikakorabea a wɔde di dwuma ho mmara a ɛwɔ aman pii mu, te sɛ Electronic Fund Transfer Act a ɛwɔ United States no ase no, w’ankasa asodi wɔ debit card a wɔayi afi sika a wɔmma ho kwan ho no kɔ soro kɛse sɛ wotwɛn bɛboro nnɔnhwerew 48 de bɔ nneɛma a woahwere no ho amanneɛ a. Sika a wowia de gye sika ankasa fi wo sikakorabea titiriw no mu tẽẽ, na ebetumi ama wo dan ka, dan ka, anaa nneɛma a wode tua ho ka no akɔ soro.
5. Fa ahobammɔ freeze ne nsisi ho kɔkɔbɔ a wontua hwee gu wo credit files so. Di nkitaho ne consumer credit reporting bureaus atitiriw (Equifax, Experian, ne TransUnion) ne checking account reporting agencies (ChexSystems) sɛnea ɛbɛyɛ a obiara rentumi mfa wo karka tumi krataa a wowiae no nni dwuma mfa mmue credit card foforo, mobile phone installment nhyehyɛe, anaa w’ankasa boseabɔ wɔ wo din mu.
6. Sesa wo fie apon sɛ wo safe ayera wɔ ID a ɛkyerɛ wo address nkyɛn a. Sɛ na wo fie anaa dan safe abata wo sika kotoku ho anaasɛ wɔ sika kotoku koro no ara a woawia a wo karka tumi krataa no mu a, fa no sɛ nsɛmmɔnedifo bi nim baabi a wote na okura honam fam safe a ɛwɔ wo anim pon no mu. Ma abusua muni anaa ofipamfo bi ntra atrae hɔ bere a worekyin deadbolts no ntɛm ara no.

flowchart TD
    A["Wallet anaa sika kotoku nni hɔ"] --> B["Simma 0 kosi 5: To debit ne credit card nyinaa mu wɔ mobile apps mu"]
    B --> C{"So wowiaa wo honam fam anaasɛ wohunahunaa wo?"}
    C -->|"Aane"| D["Frɛ 911, 112, anaa 999 fi baabi a ahobammɔ wɔ"]
    C -->|"Dabi"| E{"Wohu wɔ simma 10 mu bere a wɔasan ahwehwɛ anammɔn ahorow no?"}
    D --> F["Frɛ sikakorabea ahorow na wɔntwa kaad ahorow mu na wɔmfa kaad nɔma foforo mma bio"]
    E -->|"Yiw: Wɔbɔɔ kaad ahorow no nyinaa ho akontaa"| G["Bue kaad wɔ app mu na hwɛ nnwuma so nnafua 30"]
    E -->|"Dabi: Fa no sɛ nea ayera anaasɛ woawia"| F
    F --> H["Hwɛ nnwuma a wɔayɛ nnansa yi na gye sika a wɔmmɔ ho kwan no ho akyinnye"]
    H --> I["Fa fael a wɔde gye sika no to Equifax, Experian, TransUnion, ne ChexSystems so"]
    I --> J["Fa polisifo amanneɛbɔ kɔma na kyerɛw aban asɛm no nɔma"]
    J --> K{"So ofie anaa kar safe ayera a ID a ɛkyerɛ w’address ka ho?"}
    K -->|"Aane"| L["Awɛmfo fie anaa kar na rekey locks ntɛm ara"]
    K -->|"Dabi"| M["Kɔkra karka tumi krataa a wɔde besi ananmu, akwahosan ho nkrataa, ne akwantu tumi krataa"]

Simma 30 a edi kan: sikasɛm mu ahokyere ne token nsisi a wobegyae¶

Sɛ sika kotoku bi yera anaasɛ wowia a, sikasɛm mu asiane kɛse a ɛba ntɛm ara no fi Near Field Communication (NFC) tap-to-pay aguadi a wɔmfa wɔn ho nhyɛ mu ne nneɛma a wɔtɔ wɔ Intanɛt so a wɔmfa kaad nni hɔ. Sɛ owifo nnim wo debit PIN a ɛwɔ ahinasa 4 mpo a, wobetumi abɔ wo debit anaa credit card no so wɔ mmeae a wɔtɔn nneɛma no de atɔ nneɛma a ɛba fam sen ɔmantam no anohyeto ahorow a wɔde hwɛ sɛ obiara nni nkitaho. Wɔ aman pii so no, owifo betumi atwa PIN ahwehwɛde a ɛwɔ debit card so nso ho denam Credit anaa Cancel a ɔbɛmia wɔ baabi a wotua sika wɔ pɛtro pɔmpɛ a wɔn ankasa yɛ adwuma, mmeae a wɔde kar sisi, ne aguadidan ahorow a wɔde wɔn ankasa yɛ adwuma no so.

Bere tiaa mu app locking versus daa card cancellation¶

Nsonsonoe a ɛda kaad a wode bɛhyɛ wo smartphone app mu ne kaad a ayera anaa woawia a wode bɛbɔ sikakorabea no nsisi pon ho amanneɛ ntam no ase a, esiw sika a wɔde asie bere a woatwa mu akyi no ano.

• Temporary App Lock (Minute 1): Retail banks ne credit union dodow no ara ma wo kwan ma wode debit anaa credit card to freeze denam toggle biako so wɔ wɔn mobile banking app no ​​mu. App lock bi siw magnetic stripe swipes foforo a ɛwɔ sotɔɔ mu ne tap a contactless bere a worehwɛ wo kar anaa wo mpa mu no. Nanso, bere tiaa mu app lock ma kwan ma wɔn a wɔadi kan ama wɔn a wɔsan tua sika, wɔn a wɔsɔ nkrataahyɛ ho sɔhwɛ, ne dijitaal sika kotoku a wɔadi kan abɔ mu no kwan ma wɔkɔ so gye sika wɔ akontaabu no mu.
• Daa Cancellation and Reissue (Simma 15): Sɛ simma 10 twam a wunhu wo sika kotoku a, frɛ sikakorabea no nnɔnhwerew 24 kaad nhama a ayera anaa woawia no na wo ne nsisi ho ɔbenfo bi nantew nneyɛe anan mu:
• To PAN (Primary Account Number) a ɛwɔ ahinasa 16 a asɛe no mu: Yi kaad nɔma dedaw a ɛwɔ ahinasa 16 no nyɛ adwuma na fa kaad a wɔde besi ananmu a nɔma foforo koraa, da a ɛbɛba awiei, ne CVV koodu a ɛwɔ ahinasa 3 ma.
• Audit pending transactions fi nnɔnhwerew 72 a atwam no: Ma agent no nkenkan tumi krataa biara a ɛda so ara wɔ hɔ ne mmɔden a ɔpowee. Akorɔmfo taa sɔ kaad a wɔawia hwɛ wɔ afiri a wɔde tɔn nneɛma anaa apon a wɔde fa nnipa so de gye dɔla 1 kosi 2 wɔ simma kakraa bi mu bere a wɔawia sika kotoku bi de ahu sɛ ebia kaad no reyɛ adwuma anaa.
• Twe dijitaal sika kotoku token a wɔmma ho kwan na gyae updater dwumadie sɛ nsisi aba a: Kaad ntam nkitahodiɛ de Visa Account Updater (VAU) ne Mastercard Automatic Billing Updater (ABU) di dwuma de kaad nɔma a wɔde besi ananmu no kɔma aguadifoɔ a wɔwɔ fael so. Sɛ owifo bi de wo kaad a wowiae no kaa intanɛt so akontaabu, rideshare app, anaa dijitaal sika kotoku ho ansa na worefrɛ sikakorabea no a, updater service no betumi apia wo kaad nɔma foforo no akɔ owifo no akontaabu mu. Ka kyerɛ nsisi adwumayɛfo no sɛ ɔnpopa dijitaal sika kotoku token ahorow a onnim na onsiw updater forwarding a wɔde kɔma aguadifo biara a wɔde aka ho wɔ nnɔnhwerew 48 a atwam no mu no ano.
• Bisa dijitaal sika kotoku nsiesie ntɛm ara: Bisa ɔnanmusifo no sɛ ɔnpia wo kaad ho adansedi krataa foforo no nkɔ Apple Pay, Google Wallet, anaa Samsung Wallet mu tẽẽ wɔ wo smartphone so sɛnea ɛbɛyɛ a wubetumi atua nneɛma a wobɛtɔ, akwantu, ne pɛtro ho ka ntɛm ara.

Krataa so check ne atipɛnfo sikatua app ahorow a wɔbɛbɔ ho ban¶

A single spare blank check inside a stolen wallet gives a criminal your full legal name, street address, bank routing number, and checking account number printed in magnetic ink (MICR) along the bottom edge.

• Place a Stop Payment order and replace the checking account number: Tell your bank to place a hard Stop Payment block on missing check serial numbers, close the compromised checking account number, and transfer your balance into a new checking account so criminals cannot initiate fraudulent Automated Clearing House (ACH) debits.
• Unlink lost cards from payment apps: Open Venmo, PayPal, Cash App, and Zelle on your phone and remove stolen debit and credit cards from the funding sources tab.

Freezing your credit bureaus and banking databases¶

A stolen driver's license, state ID, military ID, or national identity card cannot be cancelled like a credit card. Even after you order a duplicate card, the thief still holds a genuine government photo document bearing your legal name, street address, date of birth, signature, and ID number. Criminals combine a stolen physical ID with leaked tax numbers from data breaches to execute unauthorized SIM swaps at cellular stores, apply for instant retail financing, rent vehicles they never return, or impersonate you at bank teller counters.

Step-by-step credit freeze and fraud alert deployment (Free by law)¶

A Security Freeze (Credit Freeze) locks your consumer credit file so lenders and cell phone carriers cannot pull your credit report to approve a new account unless you temporarily lift the freeze with your PIN. Placing and lifting a freeze is 100 percent free by law in the United States and Canada and does not affect your credit score. Alongside a freeze, ask the first bureau you contact to place an Initial Fraud Alert, which requires lenders to call you directly to verify your identity before extending credit and automatically notifies the other two major bureaus. By contrast, you must place a Security Freeze separately at each individual bureau:

1. In the United States: Contact all three nationwide credit bureaus and two specialized banking and telecom bureaus:
2. Equifax: equifax.com/personal/credit-report-services or 1-888-298-0045 (place Security Freeze and Initial Fraud Alert).
3. Osuahufo: experian.com/freeze or 1-888-397-3742 (place Security Freeze).
4. TransUnion: transunion.com/credit-freeze or 1-888-909-8872 (place Security Freeze).
5. ChexSystems (Checking Account Bureau): Freeze your file at chexsystems.com or 1-800-428-9623 so nobody can use your stolen ID to open fraudulent bank checking accounts in your name.
6. NCTUE (Telecom and Utilities Exchange): Freeze your file at nctue.com or 1-866-349-5355 to block fraudulent mobile phone installment plans and utility accounts.
7. In Canada: Contact Equifax Canada (1-800-465-7166) and TransUnion Canada (1-800-663-9980) to place a Fraud Warning and free Security Freeze.
8. In the United Kingdom: Register with Cifas (cifas.org.uk or 0330 100 0180) for Protective Registration across Experian UK, Equifax UK, and TransUnion UK.
9. In the European Union and Australia: In the EU, contact your national credit registry (SCHUFA in Germany or Banque de France in France) and report the stolen national ID to local police so the serial number enters the Schengen Information System (SIS). In Australia, contact Equifax, Experian, and illion for a free Credit Ban.

For deeper recovery steps if an attacker has already opened fraudulent loans in your name, read our guide on identity theft response.

Filing a police report and getting an official incident number¶

You file a lost or stolen wallet police report to generate an Official Police Incident Report Number, which serves as a legal shield across government agencies, banks, and insurers. Unless you were physically mugged (in which case you should call 911, 112, or 999 and follow our robbery and mugging guide), call the non-emergency telephone line of the local police department where the wallet went missing or use their online reporting portal.

1. Upgrading to a 7-Year Extended Fraud Alert: An initial fraud alert expires after 1 year, whereas submitting an official police report or IdentityTheft.gov report entitles you to a free 7-Year Extended Fraud Alert.
2. Defending against criminal and traffic impersonation: A timestamped police report proving your driver's license was reported stolen prior to a traffic stop or arrest clears your name if an impostor presents your stolen ID to police.
3. Waiving ID fees and supporting bank or insurance claims: Motor vehicle agencies often waive duplicate ID fees with a police report, banks require a report number to reimburse over-the-counter impostor withdrawals, and renters or homeowners insurance requires an incident number within 24 to 48 hours to cover stolen personal property.

List every item that was inside the wallet on the report (only the bank name and last 4 digits of cards, never full 16-digit numbers) and record the Police Department Name, Officer Name and Badge Number, and Permanent Case / Incident Number.

Step-by-step replacement priority checklist¶

Once your banking cards are cancelled and your credit bureaus are frozen, work systematically through every non-banking credential that was inside your wallet.

Honam fam ahobammɔ ho nsɛm a egye ntɛmpɛ: bere a safe ne ID ahorow ayera bom¶

Wo safe a wobɛhwere wɔ sika kotoku anaa sika kotoku koro no ara a wo karka tumi krataa wom no mu no yɛ honam fam ahobammɔ ho asɛm a egye ntɛmpɛ efisɛ owifo nim wo mmɔnten so address pɔtee na okura w’anim pon no safe.

1. Mma atrae hɔ da mpan bere a worekɔ fie no: Frɛ abusua muni, nea wo ne no te dan mu, anaa ofipamfo ntɛm ara na ɔntra wo fie mu a wode mu deadbolt anaa ahobammɔ nkɔnsɔnkɔnsɔn no ahyɛ mu kosi sɛ wubedu hɔ.
2. Rekey wo lock cylinders ne wipe fobs: Locksmith a ɔwɔ tumi krataa betumi rekey kɔbere pins a ɛwɔ wo deadbolt cylinders a ɛwɔ hɔ dedaw no mu wɔ simma 15 mu sɛnea ɛbɛyɛ a safe a wowiae no rendan lock no bio. Frɛ wo dan sohwɛ adwumayɛbea no na gyae RFID dan mu fobs a ayera no, na mia Sua / Popa bɔtn a ɛwɔ wo dan atifi kar pon motor no so simma 6 na popa kar dan mu remote a woawia.

Wo karka tumi krataa, akwahosan ho nkrataa, ne towtua ho nkrataa a wode besi ananmu¶

Sɛ wo sika ne wo honam fam aponkɛse no yɛ nea ahobammɔ wom wie a, sesa wo aban mfonini ID titiriw, akwahosan ho nkrataa, ne ɔman tow ho nsɛnkyerɛnne biara a ɛda adi.

Sɛ worebisa sɛ wɔmfa ID frankaa a woawia ne audit nɔma foforo mma wɔ wo karka tumi krataa so¶

Nnɛyi karka tumi krataa dodow no ara wɔ Document Discriminator (DD) nɔma anaa Audit Number a ɛto so abien a wɔatintim wɔ anim anaasɛ wɔakyerɛw wɔ barcode a ɛwɔ akyi no mu. Sɛ wokra tumi krataa a wɔde besi ananmu a, kar adwumayɛbea no yɛ Document Discriminator nɔma foforo koraa na ɛhyɛ kaad dedaw no nyiyim nɔma agyirae sɛ enni mu wɔ mmarahyɛ bagua ne sikakorabea a ɛkyerɛ sɛ ɛyɛ nokware ho nsɛm akorae mu.

• Wɔ United States (State DMV / BMV / DPS): Aman dodow no ara ma wo kwan sɛ wobɛkra REAL ID anaa karka tumi krataa a wɔde besi ananmu wɔ intanɛt so denam wo man a ɛyɛ aban de no so .gov portal wɔ nea ennu simma 10 mu. Fa PDF bere tiaa mu karka krataa a wotumi tintim no sie wo nsateaa adaka mu kosi sɛ honam fam kaad no bɛba wɔ nnafua 7 kosi 14 mu, na bisa wo DMV sɛ ɔmfa wo polisifo amanneɛbɔ nɔma nhyɛ tumi krataa akontaabu nɔma a woadi kan ayɛ no agyirae sɛ wɔawia.
• Wɔ Canada, UK, Europa, ne Australia: Wɔ Canada no, kɔ wo mantam tumi krataa beae (ServiceOntario, ICBC, SAAQ) a wode ID a ɛto so abien ne wo polisifo amanneɛbɔ nɔma kɔhwehwɛ bere tiaa mu krataa tumi krataa. Wɔ UK no, fa wo ho hyɛ mu wɔ gov.uk/replace-a-driving-licence sɛnea ɛbɛyɛ a wobɛma photocard issue nɔma dedaw no ayɛ nea enni mu. Wɔ EU no, nya polisifoɔ amanneɛbɔ a ɛkyerɛ sɛ woahwere ade (déclaration de perte/vol) berɛ a wo kuropɔn no de biometric card foforɔ rema. Wɔ Australia no, bisa Card Number foforo fi Service NSW, VicRoads, anaa wo mantam tumidi hɔ sɛnea ɛbɛyɛ a kaad dedaw no bedi nkogu wɔ Document Verification Service (DVS) credit checks mu.

Aduruyɛ ho adansedi nkrataa a wowia wɔ akwahosan ho nkrataa a wowia so a wobesiw ano¶

Akwahosan ho insurance krataa a wowia, Medicare kaad, National Health Service (NHS) aduruyɛ krataa, anaa European Health Insurance Card (EHIC/GHIC) betumi adi dwuma wɔ ɔdaadaafo bi mu de akɔsra mmeae a wɔhwɛ wɔn a wɔwɔ ayaresa a egye ntɛmpɛ, oprehyɛn a wɔyɛ wɔ ayarefo a wɔda abɔnten, anaa nnuru a wɔkyerɛw ma a wɔahyɛ so. Aduruyɛ ho adansedi krataa a wowia no yɛ asiane soronko efisɛ ɛsɛe wo daa ɛlɛtrɔnik akwahosan ho kyerɛwtohɔ (EHR) ne ɔdaadaafo no mogya su, nnubɔne ho akisikuru, anaa nnuru a wɔde di dwuma ɔkwammɔne so ho abakɔsɛm.

1. Frɛ w’akwahosan insurance no Member Services and Fraud Unit: Bɔ honam fam kaad a wowiae no ho amanneɛ ntɛm ara, bisa sɛ gyae member ID suffix dedaw no anaasɛ fa koodu ma, na twe dijitaal kaad a wɔde besi ananmu no gu wo smartphone sika kotoku mu sɛnea ɛbɛyɛ a wobɛda so ara agye nnuru a wɔakyerɛw ama wo nnɛ.
2. Hwɛ wo Nkyerɛkyerɛmu a ɛfa Mfasoɔ (EOB) nsɛm ho asram 12: Hwɛ bosome biara Mfasoɔ Nkyerɛkyerɛmu asɛm, Medicare Summary Notice (MSN), anaa ɔman akwahosan portal log biara mu. Sɛ wuhu ayaresabea nsrahwɛ a wunnim, aduruyɛdan mu nhwehwɛmu, anaa nnuru a wɔkyerɛw ma wo a, kɔ insurance adwumakuw no Special Investigations Unit (SIU) ne nea ɔde ma no kokoam nsɛm ho ɔpanyin nkyɛn ntɛm ara na wonyi ɔdaadaafo no kyerɛwtohɔ ahorow mfi w’aduruyɛ ho nhyehyɛe mu.

Nea ɛsɛ sɛ woyɛ sɛ na wo Social Security card, SIN, anaa tow ID wɔ sika kotoku no mu a¶

Sɛ na wode wo Social Security card (United States), Social Insurance Number card (Canada), anaa National Insurance krataa (United Kingdom) kura sika kotoku a wowiae no mu a, fa anammɔn abiɛsa foforo a ɛbɛma woatumi asiw wo sika ano ka wo credit freezes ho:

1. Nya IRS Identity Protection PIN (IP PIN) wɔ United States: Kɔ irs.gov/ippin na kyerɛw wo din wɔ Identity Protection PIN nhyehyɛe no mu. IRS yɛ kokoam koodu a ɛwɔ ahinasa 6 a ɛho hia na wɔde adi tow krataa biara ho dwuma wɔ wo Social Security nɔma ase, na esiw asisifo kwan sɛ wɔmfa tow a wɔde bɛsan ama no ho nsɛm a ɛyɛ nnaadaa nkɔ. (Wɔ Canada no, frɛ Canada Revenue Agency wɔ 1-800-959-8281 na fa ahobammɔ frankaa a ɛkyerɛ sɛ obi awia wo ho to wo CRA My Account so.)
2. Yɛ anaa to wo intanɛt so Social Security / Pension portal mu: Kyerɛw wo din anaa hwɛ sɛ wo intanɛt akontaabu no yɛ nokware wɔ ssa.gov/myaccount (anaasɛ My Service Canada Account) nnɛ ansa na owifo bi akyerɛw akontaabu bi wɔ wo din mu de adan mfaso ho nkrataa.
3. To wo E-Verify adwuma a wofata ho kyerɛwtohɔ (US): Yɛ akontaabu a wontua hwee wɔ myeverify.uscis.gov na toggle Self Lock sɛnea ɛbɛyɛ a obiara rentumi mfa wo Social Security card a wowiae no nni dwuma mfa adwumawura akyi nhwehwɛmu wɔ wo din ase.

Sɛnea wobɛtra ase nnɔnhwerew 48 a edi hɔ no a wunni sika, plastic card, anaa honam fam ID¶

Sɛ́ wobɛkɔ akɔda wɔ fie a wunni sika, plastic sikakorabea krataa a ɛyɛ adwuma, anaa aban mfonini ID no yɛ nhyehyɛe ho haw a ɛba ntɛm ara bere a ɛsɛ sɛ wutua pɛtro, nneɛma a wobɛtɔ, akwantu, anaa wimhyɛn a wode bɛkɔ fie ho ka no.

1. Instant Mobile Wallet Provisioning (Apple Pay / Google Wallet): Bisa wo sikakorabea no nsisi ananmusifo no sɛ ɔnpia kaad nɔma foforo a wɔde besi ananmu no nkɔ wo mobile sika kotoku mu tẽẽ sɛnea ɛbɛyɛ a wubetumi abɔ wo smartphone wɔ sotɔɔ ahorow a wɔtɔn nnuan, nnurutɔnbea, apon a wɔde fa nnipa, ne pɛtro pɔmpɛ a enni nkitahodi mu ntɛm ara.
2. Cardless ATM Cash Withdrawals: Tap your updated smartphone wallet against the contactless reader on your bank's ATM, or open your banking app, select Cardless ATM Access, and generate a temporary 8-digit one-time code to withdraw cash without inserting a plastic card.
3. In-Branch Teller Withdrawal anaa Instant-Issue Card Printing: Credit union ne ɔmantam sikakorabea baa dwumadibea pii de thermal card tintim mfiri di dwuma wɔ teller line no akyi a ɛtintim debit card a ɛyɛ adwuma wɔ hɔ ara wɔ simma 5 mu, anaasɛ wobetumi ama kwan sɛ wɔmfa secondary ID fi fie yi sika a wɔmfa nnuru nhyɛ mu.
4. Boarding a domestic flight without a physical ID: For domestic flights within the United States, the Transportation Security Administration (TSA) allows passengers whose wallet was lost or stolen to fly if you arrive at the airport at least 2 to 3 hours early. Inform the TSA officer at the podium; a supervisor will call the TSA Identity Verification Call Center (IVCC), review any secondary items bearing your name (prescription bottles, work badges, police report, or digital mail), ask biographical verification questions, and clear you through enhanced carry-on screening. If your passport book was stolen while abroad, follow our guide on akwantu tumi krataa anaa akwantu ho nkrataa a ayera.

Updateing mmara kwan so sika a wɔsan tua ne sika kotoku minimalism¶

Wɔ nnɔnhwerew 48 akyi bere a wo nsa aka wo kaad foforo no ho nsɛm no, yɛ wo sikatua kwan no foforo wɔ akontaabu ahorow a ɛho hia a ɛsan ba bio so sɛnea ɛbɛyɛ a nnwuma no rentwa mu:

• Kar, afiewuranom, wɔn a wɔagye adan, ne akwahosan ho insurance ho sika (kar insurance a wɔatua a atwam no betumi ama wɔagyae tumi krataa a ɛnyɛ adwuma)
• Electric, natural gas, water, mobile phone carrier, and home internet utilities
• Toll road transponders (E-ZPass, SunPass, FasTrak, 407 ETR) and transit auto-reloads
• Mununkum mu nneɛma a wɔkora so akontaabu (iCloud, Google One, Microsoft 365), nnurutɔnbea ahorow, ne dabere a wɔhwɛ mmofra ho ka

Five rules to storm-proof your replacement wallet¶

1. Purge nkwa nna nyinaa identity nkrataa daa: Mfa wo Social Security card, Social Insurance Number card, anaa awo ho adansedi krataa nhyɛ wo sika kotoku mu da. Fa nɔma no gu wo tirim na to honam fam krataa no mu wɔ ofie sikakorabea a ogya ntumi nkɔ mu.
2. Fa Kaad Abien Daa Mmara no tom: Fa wo karka tumi krataa, credit card titiriw biako, debit card biako (a wɔde sie wo sikakorabea app mu kosi sɛ wubegyina ATM so), w’akwahosan kaad, ne sika dɔla 40 kosi 100 nkutoo kɔ.
3. Fa Home Backup Vault si hɔ: Fa backup credit card biako a ɛyɛ adwuma fi sikakorabea foforo ne dɔla 100 a ɛwɔ sika nketewa mu a wɔatoto wo fie mu no sie sɛnea ɛbɛyɛ a sika kotoku a ayera rennyaw wo da sɛ wuntumi ntɔ aduan anaa pɛtro.
4. Store an encrypted Lost Wallet Inventory in your password manager: Use an encrypted password manager to record the card issuer name, last 4 digits, international fraud phone number, and driver's license audit code.
5. Slide a Bluetooth/UWB tracker card into your wallet lining: A credit-card-thin tracker compatible with the Apple Find My or Google Find My Device network alerts your phone if you leave your wallet behind and plays an audible chime if it slips under a car seat.

Nsɛm a wɔtaa bisa¶

Akwankyerɛ ahorow a ɛfa ho¶

• Lost keys for home, car, and office
• Identity theft ntɛmpɛ ho mmuae
• Sikakorabea akontaabu a wobu so ne wire a wɔmma ho kwan a wɔsan gye
• Lost passport or travel documents abroad
• Robbery and mugging survival and recovery
• Wiase nyinaa dodow a egye ntɛmpɛ

Sources a wɔhwɛɛ mu¶

• Consumer Financial Protection Bureau (CFPB) (United States): Regulation E (Electronic Fund Transfer Act) and Regulation Z (Fair Credit Billing Act) consumer liability rules.
• Federal Trade Commission (FTC) (United States): IdentityTheft.gov mmara kwan so nhyehyɛe ahorow a ɛfa ahobammɔ a wɔde siw ano, nsisi ho kɔkɔbɔ a edi kan, ne nsisi ho kɔkɔbɔ a wɔatrɛw mu mfe 7.
• Internal Revenue Service (IRS) and Social Security Administration (SSA) (United States): Identity Protection PIN (IP PIN) enrollment and Social Security card guidelines.
• Transportation Security Administration (TSA) (United States): Domestic airport checkpoint identity verification procedures for travelers without physical ID.
• Financial Conduct Authority (FCA) and Cifas (United Kingdom): UK Payment Services Regulations contactless fraud liability rules and Cifas Protective Registration standards.
• Financial Consumer Agency of Canada (FCAC) and Canadian Anti-Fraud Centre (Canada): Unauthorized card liability protections and credit bureau fraud alert protocols.