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Lock/Unlock BMO Card - Freeze/Unfreeze BMO Credit or Debit Card - BMO restricted card BMO Lost CardWhat happens if I enter an incorrect PIN at a merchant or ATM? If you enter your PIN incorrectly three times, for security purposes, the system will �lock� your. Make changes to your BMO credit card Pre-Authorized Payments due to lost, stolen, or expired credit cards in one location. View the status of your PowerSwitch. How to lock and unlock your card � Select your credit card account from the Account Summary section. � Select Manage Card. � Select Lock your card.