If a member of PenFed discovers that their card has been lost or stolen, it is important to act promptly to protect their account. Members can report a lost or stolen card by accessing their PenFed account online or through the mobile app. Within the account management tools, there typically exists an option for card services, where members can easily report the card as lost or stolen. Additionally, there may be a dedicated phone number available for urgent card issues, which can usually be found on the PenFed official website. When reporting, members should be prepared to verify their identity and provide any necessary account information. It is advisable to review transaction history for any unauthorized charges and take note of any important details related to the incident. Following these steps can help ensure that the member's account remains secure and that any potential fraudulent activity is addressed swiftly.