Actually if I loose my phone, then high probability that I am outside and I am not waiting on going to a website to cancel my card. I would absolutely call them

Actually if I loose my phone, then high probability that I am outside and I am not waiting on going to a website to cancel my card. I would absolutely call them by borrowing someone's phone. How would you do this if you are outside and need to cancel your credit card ? Would you try to go online login to bank website and look for the option to cancel the card or call them ? It is a low priority feature. You will want a human interaction here.