Concerned customers are often addressed to me about the loss of a bank card and ask urgently to give advice on further actions. Since each of us can get into such a misfortune, I decided to give advice to how to get out of a similar situation without loss.
Make sure you really lost your card
Often there are situations when a person did not lose the card, but for any reason began to count so. For example, you may simply forgot the card at home or at work and nothing threatens nothing, but you think that you lost it in the subway or you have stolen at all. Such stories are not happening with those who carefully applies to their cards and keep them in a wallet or in another reliable place. Therefore, take the rule not to wear cards in your pocket, then there will be no doubt about the disappearance.Further steps are described from the assumption that the card still turned out to be lost, and not forgotten.
Try to transfer money from the card to another account.
The loss of the card does not lead to automatic lock, so if you have access to a mobile bank, you can go to it and request the translation of all money from the card to another account. This procedure has a fairly clear meaning - in case of blocking the card and its subsequent reissue you lose a considerable amount of time, and you can not use money. Therefore, the translation will save you from blocking money with the card.
Order a reissue
After you transferred all the tools from your card to a safe place, lock the card and contact the bank with a reissue application. There is no other way to restore your card. Do not attempt to find your card, because the data on it is already compromised and even if it returns to you, the attacker will be able to make payments for it just knowing the number and CVV code.What to do if a PIN code was written on the map
In such cases, you can wish to hope for a miracle, on conscience and decency of those found, because if your pinematics occur through cash through an ATM, then banks and law enforcement agencies will still be at all as well who actually shot your money. Therefore, never write the code on the map. Also advise not to encrypt it and not write in the form of dots. The best option is to store the PIN code in the head.
What to do if you did not have time to block the map, and someone paid for a purchase on contactless payment
In such a situation, you must first contact the police and describe in detail the incident. The embezzlement from bank cards refers to the category of grave crimes, so the police willingly take the investigation into this incident. I do not advise you to block the card after contacting the police. You should also say an employee who polls you. The fact is that the offender will most likely continue to write off money from your card, and at this time the police must adequately and quickly track the write-off points of money and seek the suspect.
After committing several payments, it turns out that one of them was committed under the lenses of surveillance cameras. As soon as this fact is installed, the alleged criminals will calculate and detain. After that, you can block the card, translate the balance of funds from it (if it is there else) and engage in reissue.
In the future, you will have to spend a lot of strength and time to return our money by recovering them from criminals. There is an option that the return of your finances you will not wait. Nuances and possible options go beyond the narration in this article.