If you lose your Oyster card and find yourself buying a new one, do not transfer any products from the old card to the new. Report it as lost/stolen and get a replacement (free), then redeem the new card when the replacement arrives.
As you may gather I have fallen into this trap. I transferred the balance and the auto top up from the lost card to the replacement, and TfL won't send out a replacement for the lost card now.
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