Lock Your Credit Card: ((install))

Enable the lock feature immediately if you misplace your card or notice suspicious activity. For confirmed theft, still report the card as lost/stolen to fully close the account and get a new number.

| Risk/Edge Case | Mitigation Strategy | | :--- | :--- | | | When the user attempts a transaction and it fails, the push notification should suggest: "Transaction declined. Your card is currently locked. Open the app to unlock." | | Recurring Payments Failing | Ensure processor configuration explicitly whitelists recurring merchant codes during a freeze state. | | Network Failure | If the API call fails to reach the processor, the UI must revert to "Unlocked" state and show an error message: "Could not connect to server. Please try again." | | Permanent Block Request | If a user calls support to report the card stolen (not just lost), the support agent should override any app lock and issue a permanent block/reissue. | lock your credit card