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I found a debit/credit card at my apartment...

What should I do FIRST?

Since it was found at my apartment, should I contact the apartment first and ask if the person lives there

OR

call the number on the back and report it lost?

I was wanting to report it lost first, in case the apartment workers don't do the right thing (such as keep it and try to get money off).

Edited to add more details: the card was not issued in my state, I googled it since I didn't recognize the name. Or else I would have taken it to the credit union it came from.
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Call and report it lost. I did that when I went on a bus trip and found someone's card as I was disembarking.