New Delhi, Sept. 4 -- Dealing with a damaged, worn-out or malfunctioning credit card is fairly common. However, taking the right steps to replace it can help keep your account secure and ensure that your financial transactions continue without interruption.

The Reserve Bank of India (RBI) requires card issuers to provide customers with clear mechanisms for reporting lost, stolen or misused cards, along with multiple channels through which cardholders can contact them.

Here are five steps to follow when your credit card needs replacement:

The first step is to notify your bank that the physical credit card has been damaged and needs to be replaced. You can contact the issuer through its official mobile app, website, customer-care helplin...