How to Suspend a Credit or Debit Card in Wallet & Apple Pay on iPhone

* This post is part of iPhone Life's Tip of the Day newsletter. . *

If your credit or debit card is lost or stolen, you'll want to suspend it in your iPhone's Wallet & Apple Pay app. If your phone is lost or stolen, you'll also probably want to remotely erase your device. Better safe than the sorry victim of credit card fraud or identity theft! So how do we go about suspending lost or stolen credit cards to prevent someone else from using them? And how can we suspend our cards if our iPhone is also gone? Don't panic; in just a few easy steps you can suspend credit cards in Apple Pay on your iPhone, or  remotely if your iPhone's been lost or stolen and you have access to another smartphone or computer.

Related: How to Set a Default Credit Card & Remove an Outdated Card in Wallet & Apple Pay on iPhone

How to Suspend a Credit or Debit Card in Wallet & Apple Pay on iPhone

If you're sure your card is lost or stolen, immediately contact your credit card company or bank to report the theft so they can suspend your card. Now, when you look in your Wallet & Apple Pay you'll see the message "This Card Cannot Be Used." If you're still concerned, you can delete the card from Wallet &Apple Pay as well.​​

  • Go to Settings.
  • Scroll down and tap on Apple Wallet & Apple Pay.
lost credit card apple payapple wallet delete card
  • Tap on the card that was stolen.
  • Scroll down and select Remove Card.
delete stolen card apple payhow to delete credit card apple wallet

Suspend Apple Pay with Find My iPhone

For this tip, you'll need to have set up Find My iPhone before the phone was lost or stolen. If you've done this, you'll be able to activate Lost Mode from, or from a family member's iPad or iPhone, provided they're enrolled in the same Family Sharing Plan as you. You can reenable Apple Pay once you've recovered your iphone.

  • Go to and log in to your account.
  • Tap Open Find My iPhone. find my iphone
  • Sign in to Find My iPhone.
  • After a search Find My iPhone will deliver a list of your devices, click on the one that is lost or stolen.
icloud find my iphonei cloud find my iphone
  • Now, click on Lost Mode. This function will disable any and all cards in Apple Pay. 
icloud find my phone

Even though it's terrible to lose your credit card or phone, I hope this tip has made things a little easier for you in the process of securing your financial information. 

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Author Details

Leanne Hays's picture

Author Details

Leanne Hays

Leanne Hays is a Feature Writer at iPhone Life, and has written hundreds of in-depth how-to and troubleshooting articles. She's a former Associate Editor for iPhone Life magazine, and has written for the Iowa Source, as well as web content for education marketing. Leanne has an associate's degree in education, with a focus on curriculum development, as well as a bachelor's degree in science. She has over nine years of experience with SEO, social media management, and web development and writing. Despite years of web work, Leanne is by no means an early adapter; she's only owned a smartphone for five years, which makes her highly sympathetic to the learning curve of new iPhone owners. She enjoys making reader's lives easier and putting her education experience to work by walking them through the most practical ways to use Apple devices, step-by-step.

In off-work hours, Leanne is a mother of two, homesteader, audiobook fanatic, musician, and learning enthusiast.