What if the card deducted the extra money

If the card deducted the extra money, it could be due to two reasons. The first reason is favorable - a technical failure or peculiarities of working with foreign banks. In this case, you can get a refund, but will have to wait. The second reason, unpleasant - theft. Scammers and phishers not asleepAnd in this case for the missing money will have to be overcome.

Return the money you can, but you need to hurry.

According to the law (number 161-FZ, Article 9), you should contact the bank with a statement that the money written off without you, either immediately or the next day. If you are late, the bank will not take any responsibility for your missing funds.

Let us consider each of the options in more detail.

Write off the extra money when you buy in the online store

It is possible that withdrawal of funds from your card was not, and simply store twice frozen funds for the same order at registration and during shipment. It does not speak in favor of the store, but you can deal with the problem.

Call the hotline, paint over the situation and ask the operator to connect you with an expert competent in this matter. The staff call-centers do not always have the whole situation, but must take your oral statement when and in which the store to make the purchase, when they were logged in and when the amount of funds blocked repeatedly. Tell that requests to return access to the amount wrongly blocked. If the lock is not canceled immediately reminds himself calls or wait for a month, the money should be returned.

Sometimes when buying foreign currency to ruble bank card blocking more funds to cover the difference in the exchange rate fluctuations, which may change during the period until the operation is performed. Unused funds must go back to your account. If not, call the operator, and write complaint to the bank.

If the amount still was listed, the procedure is greatly delayed. Take in a bank account statement with all the committed transactions, receipts and payment documents and contact the seller with a request to return the funds. At the same time contact your bank statement to challenge the transaction in case if the seller does not want to return the extra money.

Written off money for the offline purchase

Sometimes when paying by card in a shop failures occur. The payment does not pass, the seller asked to re-enter the code or to pay in cash, you will agree. A few minutes later came the first notice of committed payment. What to do? First, keep the receipts, even with the notification that the payment has not taken place. Second, go to the bank and dispute the transaction. The investigation will take time, but if you have the money to return the documents. Third, if you have not yet had time to leave the store, try to resolve the issue with the manager or cashier.

ATM wrote off the money, but did not give cash

You inserted the card, ATM processed the request, the money you have not seen, but it's notification of cancellation of funds. Rule number one: do not go anywhere. If the device decides to give the money within 3-4 minutes after you leave, they will get someone else.

Without departing from the ATM, call on the phone hotline and describe the situation. Ask to call the place of technician and take a picture of the ATM screen. If the present witnesses, write down their numbers.

If bank employees are not able to solve the problem on the spot, go to write papers, claims and statements. Be sure to ask to verify the data collection with the information saved on the check of the ATM tape. And specify in the statement when you call customer service, you first have informed the bank about the problem.

The bank must conduct an investigation and return the funds to you.

You did not do anything, and the money is gone

The most difficult to obtain funds option - a banal theft. If you are receiving messages that float away with your credit card funds, or you suddenly discover that money is gone, call the bank and block the card. And then go to write the claim and challenge operations. Remember: you have to stock one day, if you have received notification of the operation (if not received, then the bank will be obliged to reimburse the funds).

At the same time you need to get to the police station and also to write a statement. In practice, to achieve a criminal case, to put it mildly, difficult. But the copy of the application with a note that it is taken, you need to make the statement that you are applying to the bank to indicate the seriousness of intentions. And if the amount was significant, it is necessary to appeal against the decision refusing to reimburse funds and through the courts.

Get ready for the fact that in case of theft of funds will have to fight for them. Banks do not like to compensate for the loss of his own pocket. Therefore it will prove that you have violated the rules of card use: do not use antivirus software, when made a purchase on the Internet, reported data anonymous people or simply to keep safe information. So, if the bank refused to pay damages immediately contact lawyers and prepare the evidence base.

General safety rules

Follow a few tips if you want to protect your money. They will help with all hands.

1. Connect SMS-notifications. This service is worth a penny, but gives confidence.
2. Record the phonebook hotline number of your bank. In an emergency, you do not have to look for him, or waste time when the Internet connection is lost.
3. Get two cards. One - to store assets, the other - for the calculation. If you like the purchase from online stores, this advice is particularly relevant. Transfer to a current means of a card just before buying and exactly to the extent that would be required. So you do not block the double amount for the long term.
4. Collect all receipts for committed transactions, even if the payment is not successful. Keep the confirmation of payment, when you buy something on the Internet.
5. Do not use ATMs that seem suspicious.
6. Read the contract with the bank, the form in which you have to report write-off of assets. By law, if you fail to comply with the form of address, the bank can do nothing.
7. Record talk with operators hotline.
8. Follow the card retention rules.

All tips are suitable for owners of both credit and debit cards. Be careful and take care of wallets!