Freezing & Unfreezing Cards

Freezing is instant and free, and unfreezing is just as instant — so freeze first and investigate second. A frozen card blocks every new authorization while you figure out what happened.

Three ways to freeze

• App or web: Cards → select the card → Freeze. One tap.
• Co-pilot: type "freeze my card" — it identifies the card and asks you to confirm before acting.
• Anywhere you're signed in — the state syncs immediately across app, web, and extension.

What happens while frozen

• Every new authorization declines, including subscriptions and card-on-file retries.
• Settled transactions are unaffected; refunds to the card still arrive.
• The card's details do not change — unfreezing restores it exactly, no re-entering numbers anywhere.

Unfreezing

Same paths in reverse. Unfreezing takes effect immediately — a merchant retrying a declined subscription payment will succeed on the next attempt. Both actions are recorded in the account's security audit trail with which surface triggered them.

If you suspect fraud, not just a lost card

• Freeze the card.
• Check recent transactions for authorizations you don't recognize.
• Open a ticket in the cards category from the Support Center — include the merchant name and timestamp, never the full card number (it gets stripped automatically anyway).
• Consider locking the whole account in Settings → Security if your device may be compromised.