1. The card is blocked, and you do not know why
If the card does not pass turned into a useless piece of plastic, and the transaction is likely the bank felt that your money at risk. The financial institution can decide that the card or its data is stolen, if, for example, with her with a difference of 2 hours to pay for purchases in two different countries.
Block the card due to the suspicion of stealing data could also payment system. This is what happens when you have removed the money from an ATM, which is listed in the database of suspicious devices or paid somewhere where there were already recorded information leakage.
What to do
If the card is locked bank, try to call - the phone is usually listed on the back side of the plastic rectangle. Perhaps the card is unlocked at once, when you prove that all payments are made by you. If the bank does not deems compelling arguments or to cause a hand in the payment system, say goodbye to the old map and go to order a new one.
Note that blocked the card, not the account, so you can regain access to the money in the following ways:
- transfer them through an online bank or application to another card;
- to come to the bank branch with a passport and take cash;
- to pay for goods and services directly through the online bank.
Note that SMS on blocking the card can be fraudulently. If you get this message, double check the number from which it came, not follow links, do not call for bad numbers do not tell anyone your card. Use contacts from the official website of the bank, all your data is already in the database.
What to do if the bank blocked the card →
2. You have already entered the wrong PIN and the card blocked
You forgot the correct combination of numbers and tried to pick up a PIN. Alas, all three versions were wrong, and the card has been blocked.
What to do
If the card is locked, no further action will depend on the bank that issued it. For example, Sberbank denies access to the map for two working days. To know what to do, and perhaps unlock the card immediately, call the bank at the number listed on the back of the plastic rectangle.
3. ATM "ate" the card
No matter what happened: you enter the wrong PIN, ATM freezes, you were distracted and did not have time to take the card - it disappeared in the depths of the device, and you can not take it.
What to do
When the ATM machine hangs, can help "Cancel" button. Press it and hold for a few seconds. If the ATM does not give the card, call the bank, give the number on the device itself. financial institution expert will tell, as you have. It does not go very far: ATM can come to life and give the map.
If the device is not "dropped" and employee of the bank does not offer any emergency measures, such as immediately sent to the place of the expert, block the card.
Otherwise, it could fall into the hands fraudstersWho will use your funds.
If the ATM is not thought to hover, and swallowed your card because of the three entered an incorrect PIN or suspicious transactions, he usually gives out a check, which causes the code specified exemptions. In this case, take the check, lock the old card over the phone and go to the department to order a new one.
What to do if the ATM does not give your card →
4. Card is lost, and with it to make payments
You do not just discovered the loss of the card, the fraudsters managed to pay your money for a new iPhone Xs.
What to do
Please contact your bank. You will still be there to call in order to block the card. At the same time report the payments are not made. An employee can make a request to challenge operations. But we must insist on this: by default in most of the banks will say that you are guilty, and decide not to deal with a difficult and lengthy process of repayment.
After the call is required to walk to the nearest branch and type of claim there is a statement in which indicate that it is not committed transactions, which are responsible for the fraudsters.
To the document should attach evidence why you are not able to buy the iPhone Xs, for example, in the offline store in Samara, if you are now in Perm.
Also, go to the police and write a statement about the theft. Be prepared that you are not there waiting with open arms. A document confirming that you have issued a statement about the theft, may also affect the refund process, even if the criminals are not found. He will prove that the card was missing.
5. Money for the purchase charged twice
You pay at the supermarket, but the cashier said that the payment is not passed. After re-applying the card to the device you get a text message that the money charged twice.
What to do
First, go to the online bank and make sure that the money is actually deducted twice. Sometimes mistakenly come SMS. If a double payment is confirmed, try to resolve the issue with store owner. In case of failure to return the money or to cancel the second payment take all the checks, including one in which states that the payment is not passed, and go to the bank to challenge the transaction.
6. ATM is not paid in cash, although the operation was
You enter the PIN code, specify the amount and wait for the money, but the device says that it can not process the request. SMS Withdrawal thus come.
What to do
Make sure that the SMS is not an error condition and the account has really changed. If so, do not go out of the ATM: it can suddenly give out the money later. At the same time call to the bank and explain the situation.
Note that it is necessary to contact the financial institution that issued the card, rather than the one that owns the ATM.
Tell us what happened, where, what kind of operation you requested. Perhaps it will be enough to return the money to the account.
In any case, take a picture of the device (screen number), take the contact from the people behind you, who saw that the bills you have not received (useful if you have to prove his innocence). If the call is not enough, with this data, go to the department to write a claim. The bank must compare the information on the receipt tape with the data collection and to return the money.
7. You somewhere forgot the card and returned it for half an hour
You find that the card is lost, and decided that they forgot it in the store. Back, and guess confirmed. The seller gives you a map, but instinct tells: complacency.
What to do
Block the card and release a new one. Faith in people and optimism - excellent quality, but its relations with the money should be approached more soberly. The information specified on the map, enough to make purchases in some foreign and Russian stores. So it is better to protect yourself.
8. The waiter takes your card
You asked for an account. The waiter said that the terminal is located at the box office, and tries to get away with your card.
What to do
Do not give the card. Reach the waiter to the terminal and pay off there. Otherwise, the data card can copy, which can lead to loss of money.
9. You found someone else's bank card
During the walk you will find a bench someone else's bank card. Perhaps naive owner even wrote her PIN.
What to do
Let's start with what you should not do: remove the card or the money to pay it. Instead bargains risk getting a criminal case for fraudArticle 159.3 of the Criminal Code. Fraud using electronic means of payment.
The most safe and for you, and for the owner of the solution - call the bank that issued the card, tell about the discovery and ask to block it. The owner of the account simply order a new card and will not worry that these old someone is still preserved.
What if someone else found a bank card →
see also
- How to use a credit card and do not get into debt →
- 10 things for which we are overpaying most →
- How to spend less and save more: simple rules, that we forget to →