Closing the account will also make the debit card useless. I open all of my accounts in person, I give a vague description of what I actually do, and explain to the person at the bank I may need to close the account at any time. With the account closed, it's impossible for them to get money out. I've heard of people canceling the direct debit agreement and still have the funds withdrawn. The only way to positively make sure they won't do this is to close the bank account.
I would be leery of reporting a credit card lost/stolen. This is reported on your credit report each time this happens. It doesn't affect the beacon, however if you do this often, it doesn't look good.
Furthermore, there are no such things as stupid questions, just stupid answers.
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