You notice on your bank account that there are several payments to a foreign business that you did not make. Your credit/debit card information has been stolen.
If your credit/debit card information was used to make online purchases that you did not yourself make, and if you are still in possession of your card, you are victim of credit/debit card fraud.
How to avoid the fraud
- Before each and every purchase online, verify the security of the payment website by checking if it has the image of a lock and if the URL begins with https:// (and not “http”).
- Never share your card information.
- Always hide your bank numbers when you type them and never leave your card out in the open.
- Don’t keep your security code and your card together.
- Always keep the telephone number and address of your bank on you, as well as the emergency number of your bank to oppose to a payment or ask for cancellation of your card.
What to do once trapped?
- Contest any payments you notice on your account you did not authorise.
- Ask your bank or the issuer of your card to proceed to a reimbursement (chargeback) for a non-authorised payment.
- If your card was used without you knowing, you could be held responsible. Contest all fraudulent debits on your account via a written statement as soon as possible and, at the latest, within 13 months for a debit in the EU, Lichtenstein, Iceland, and Norway, or within 70 days for a fraudulent payment out of the European Economic Area. After receiving your registered letter, the bank will recredit you immediately with the amounts contested. More information is available in our article: “Payment method: credit card”.
- File a complaint at the nearest police station.