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@Greenbank
Losing a credit card.
Must have dropped it at the station or on the train home as I'd touched in at Vauxhall and it was gone by the time I needed it at Putney.
Froze it straight away and no-one has tried to use it (the only declined payment was to TfL). Last time I did this (again, half pissed coming home from the pub after 5-a-side) there were 4 attempted uses of it within 15 minutes of me dropping it (luckily declined as I'd frozen it by then).