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I would call the number on the back of the card. I had this happen to me 2x in 2008. I found 2 peoples debit card. The first time I happen to be near the bank that issued it so returned it there (for most credit cards this will not be possible). The other time I was not and just called the number that says on the back (if found or customer svc). I told them I found the card, gave them the info and they placed a flag on the account. They told me to cut up the card. This protects the person who lost it because they may NT realize they have lost it until they go to use it, which could be days or months.

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Q: Who should i report a lost credit card to?
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