1. Do not think of freebies
Even if the card is not locked, use it is unlikely to succeed.
- When you try to pay for something on the Internet comes the password to the phone number holder. Almost everywhere provides two-factor authentication.
- If you attempt to withdraw cash, you'll be taken to a surveillance camera, which is equipped with ATMs.
Instead freebies really get time. Article 159.3Article 159.3. Fraud using electronic means of payment Penal Code for attempting to break someone else's bill provides for a fine of up to 120 000 rubles, or mandatory corrective labor or imprisonment up to three years. Also, criminal proceedings may be instituted for theft.
2. Do not look for the owner
Trouble to reissue banking cards - it's not your problem. Noble impulse return loss can turn against you.
Let's say you found the card holder through social networks (lucky - a rare name and surname). But in person, instead of "thank you" can get charged with theft. Under psychological pressure cheater really easy to believe that disappeared from the account N rubles, and to get the money out of your pocket.
To advertise on the internet - also a bad idea. If the card is not yet locked, it can take advantage of the essential elements fraudsters.
The web walks life hacking, when transferred to the minimum amount on the card and found in a comment asking the owner to contact the sender. There is nothing illegal, because you do not shoot, and enlist the money. But also need to be careful, people are different. Such a process is possible, if you find a map anywhere in the office or in the hallway of his house. Probably, it has lost some of his colleagues or neighbors.
Anastasia Loktionova, Deputy Director General of "Rusmikrofinans"
3. Call the bank
Tell that lost card, and dictate its number. It will help the holder to save money, even if he did not have enough loss.
Telephone hot line of the bank on the reverse of the plastic carrier. The bank will contact the customer and block card.
A lost card is considered to be compromised. Financially savvy people will not use it.
Anastasia Loktionova, Deputy Director General of "Rusmikrofinans"It does not matter, debit or credit card is lost. Reissue should be any, or at least to change the PIN code, if a sudden loss was found.
4. Destroy the plastic carrier
After a call to the bank card with scissors cut into several pieces and discard. Better in different garbage cans.
Anastasia Loktionova, Deputy Director General of "Rusmikrofinans"Card is the property of the bank (it is written on its back). Formally, the holder must not destroy its own, even if expired. In practice, no one will understand, who and how to get rid of expired or compromised cards. After all, in this situation, it is just a piece of plastic.
Nakhodka ownerless bank card to anything you do not oblige. The easiest option - to pass. But if raised, act wisely.
see also💳
- How are bred for money on the Internet: popular 5 receptions
- 9 problems with bank cards and their solution
- Virtual credit cards: for what it is and how to draw