I lost my wallet in December. I knew it as soon as I did it, but it was too late. Somewhere between the liquor store and Highway 99. It was a pain in the tushie to cancel everything right before Christmas. I made an appointment at the Shafter DMV for the next business day and borrowed the Hubby's atm card. My only problem was at the bank. They didn't want to issue me a new ATM cad without picture ID. After I asked for the branch manager they compared my signature with the signature on file and I received a new card. The credit card companies were easy to deal with. Mine and the LM's APs were in there, but they expired a week later so I didn't have to worry about that. The sad part is it was my Pooh wallet, one they don't make any more.
