Lost or stolen card?
React in 2 seconds.
Temporary blocking or permanent opposition: Our credia-financial application gives you total control over your card, at any time, without waiting for your advisor.
Blocking or opposition:
which one to choose?
Two separate measurements for two different situations. It is important to choose carefully before acting.
You are no longer sure
you have your card?
The block temporarily suspends all payments and withdrawals. If you find your card, you unlock it instantly — without ordering a new one.
- Active in less than 2 seconds
- Completely reversible at any time
- No new maps generated
- Immediate release if found
- Does not constitute legal opposition
- Does not protect in the event of confirmed theft
Card lost or stolen
certainly?
Opposition is an irrevocable legal act. The card is permanently cancelled, a new one is issued automatically. You are legally protected upon declaration.
- Immediate legal protection
- New card shipped within 3 days
- Virtual card activated the same day
- Reimbursement of fraudulent transactions
- Irreversible action
- Requires a new physical card
3 ways to block
your card.
Choose the fastest channel according to your situation.
credia-financial app
⭐ Recommended method
My cards → select the card → “Block” or “Restrict”.
By telephone
📞 If you don't have access to the app
Our voice server guides you and makes an objection in less than a minute, without waiting for an advisor.
0 800 000 000Free · 24/7 · 7/7
Web customer area
🖥️ On computer
Connect to credia-financial.com → “My cards” → select the card → “Security”.
What happens
next?
Our credia-financial application takes over immediately. Here is the precise procedure after an official opposition.
Opposition registered
Your card is canceled instantly in our system. Any payment attempt is declined, including contactless payments and pending transactions.
Emergency virtual card
A temporary virtual card is automatically generated and added to Apple Pay / Google Pay so you can continue paying without interruption.
Verification of transactions
Our team analyzes transactions made after the reported loss or theft. Fraudulent debits identified are immediately disputed with merchants.
New card shipped
Your new physical card is sent by secure mail to your address. A PIN code is transmitted separately within 24 hours of receipt.
Reimbursement of fraud
LDisputed fraudulent transactions are reimbursed to your account, within the limit provided by regulations and your credia-financial offer.
“We undertake to fully reimburse any fraudulent transaction carried out after the opposition has been declared, without ceiling or deductible, within a maximum period of 8 working days.”
— Our Commitment, Safety CharterAnticipate before
it's too late.
A few simple reflexes to reduce risks and react more quickly if necessary.
Enable push alerts
Receive notification with every transaction. Detect suspicious flow immediately and react before the situation gets worse.
Virtual card for online shopping
Generate a single-use virtual card for each sensitive purchase. Your real card number is never exposed.
Turn Off Abroad When You're Not Traveling
If you are not planning a trip, block payments outside the euro zone. Simple protection against international fraud.
Write down the emergency number
Save 0 800 000 000 in your phone now. In the event of theft, every second counts — no need to look up the number.
Your questions
about the opposition.
An emergency? Call directly on 0 800 000 000.
What is the difference between blocking and opposition?
The blocking is a temporary and reversible measure: you suspend your card while you find it. The opposition is a definitive legal act which irremediably cancels your card and triggers the issuance of a new one. To be used only in the event of loss or certain theft.
Am I responsible for fraudulent transactions before the opposition?
Your liability is limited to €50 for transactions without a PIN code carried out before opposition (European legal threshold). Beyond that, credia-financial takes full care. If the loss/theft results from gross negligence on your part (e.g. PIN noted on the card), different conditions may apply — our team supports you on a case-by-case basis.
How much does it cost to object and issue a new card?
Opposition is completely free at credia-financial, whatever your card type. The issuance of a replacement card is also offered for the first opposition per year. In the event of repeated opposition (from the 2nd per year), fees of €10 may apply.
Can I file an opposition if I am abroad?
Yes. The emergency number +33 9 00 000 000 (international rate) is accessible 24 hours a day from any country. The credia-financial application also works without a French network. If this is not possible, dial the universal interbank number +33 892 705 705.
Is the opposition canceling direct debits?
No. SEPA direct debits (rent, EDF, subscriptions, etc.) are not affected by the opposition of your card, because they are linked to your IBAN and not to your card number. Only card payments (CB, Visa, NFC) are canceled. Your direct debits continue to operate normally.
My child has lost his card - should I, as a parent, object?
Yes. For a credia-financial child or adolescent card, opposition must be requested by the legal representative holding the parent account. You can do this from your own credia-financial space, “My cards” section → child’s card → “File opposition”. The new card is sent to your postal address.
Need to act
now?
Immediate opposition · Guaranteed refund · New card within 3 days