Found a drawing showing the components of the center console and looks like you might be able to remove the rear seat end, and maybe also the armrest+compartment, to reach inside from the back.
See:
https://www.parts.com/index.cfm?fus...artNumber=846601M000WK&VehicleID=208908&diagram=2480380&Title=Kia-COUPE-ARMREST

Didn't find 2014 Forte console removal but link below is Optima and might be similar. Again, look at the back cover plate at rear seat end.

http://www.optimaforums.com/forum/22-optima-diy/2680-how-remove-center-console.html

I'm going to say this too, you might want to consider voiding (as lost) the CC and getting a replacement. Could be easier and risk-free, no damage to console and unreachable CC would be unusable anyway if ever retrieved by anyone else. Your choice!

 

You may be able to use one of those metal clamps that extend outward when needed from a narrow metal coil, and otherwise the clamps stay housed within the coil. I think I picked one up from the dollar store a few years ago. Not sure if it will fit but the tool it is pretty narrow so it might work. The clamp may or may not be able to hold onto the card as it is pretty slippery.

 

Sounds like you put the breaks on credit card use

 

 

Well, you can always try removing the center console by removing some bolts and sliding it upwards so you can reach the credit card.

BTW: wear gloves as there might be sharp metal pieces under the center console.

 

Removing the center console is not a huge deal deal:
http://www.kifomanual.com/floor_console_assembly_replacement-1180.html

You might find the card in the middle of one of these steps.