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If you have an account with the bank that is not accessible by bank card then you should be safe. I had one and then a mistake made it accessible and well you all know what happened. Report your credit cards missing – but not lost. Tell them to freeze them but not to send you a new one. That will buy you some time with the credit cards. If you have account ts that you use online then open an account that you have to use an  actual bank for and put some money in there. Hope it helps