When Credit and ATM Cards are lost to lock these cards we have to call to customer care and it will take time. In between some antisocial activity may happen. To remove this problem these cards would be locked by the cell phone itself. Many times its difficult to call on customer care. Solution of this problem is we have to sms on a particular number with details of card and password, and automated reply would come that your card is locked without any delay. From this you can stop misuse of credit cards by an unknown person.