Losing anything is never fun, and lost payment cards are a very common experience. Here’s a few things to keep in mind.
Credit and debit card fraud is the most immediate risk, and even though you have some protection from those organizations it does require a bit of work on your part. Freezing is a great option in the case you do recover the card, but make sure to lock those accounts to prevent monetary damage.
Payment in the short term
Virtual payment can be a great alternative. Tools like Google and Apple Pay can make payments astoundingly simple (and secure). Apple can even issue a virtual credit card instantly if you’re eligible.
Borrowing is also an option. Instead of the honor system to pay them back, Venmo your friend (or a trusting stranger who may become a future friend) directly in exchange for cash to get you through the day.
Often the best option with Payment Cards is to cut the loss and have it reissued. Once a card is out of your possession, it is compromised, so your bank can cancel it and reissue you one often for free.