Rus Articles Journal

Plastic cards: how to work in emergency situations?

Plastic cards gain the increasing popularity - now they are not only at businessmen and provided, but also at people with prosperity it is simpler (students, state employees pensioners), though at the last most often debit cards.

With the card can will happen many things promising to you loss of means, which are available for you on the account. But they can be kept if you know that it is necessary to do and do it quickly.

Main that each card holder has to remember: the bank is obliged to compensate to it means if write-off from the account was not initiated by the client. However, procedure of restoration of means can be long and in some cases with judicial proceedings. To secure itself against possible troubles, it is necessary not only to sign, but also to read the contract for service of the card and to get acquainted with an instruction to the client (the copy is handed out to the card holder). And in the contract (under which you append the signature, respectively, in court you will not be able to challenge it any more), in particular, it is written down that it is impossible to disclose PIN - a code to the third parties that it is necessary to notify bank on change of requisites of your documents in due time, about change of the residence and contact phones, etc. the Most unpleasant emergency situations with the card, of course, are connected by

with its loss or with direct fraud. Below the most widespread cases are described.

Situation the first. The card is lost stolen).

At detection of loss of the card it is necessary to report immediately in issuing bank that that blocked the account. This first and most important action for which commission only two components - number of bank and the telephone set are necessary for you be it mobile or stationary. If the bank finds out that roguish write-off from your card happened after you found its loss, but before you reported about it to bank, money to you will not compensate. It is an important point. Sometimes the account goes for minutes. And here work clearness " is very important; hot " line; bank. Sometimes, to phone to the living person the customer support department of cards is left by a lot of time during which, by you full information on new services of bank and steam of classical pieces of music can be listened.

Situation the second. The card at you, but money from it is written off without your permission

this situation has a set of variations. For example, operation was carried out in one place, and you were in another (complete fraud) at this time. Or, say, money for payment of the same purchase was charged off twice (here perhaps not only fraud, but also some technical failure). Or the cashier, having tarried, reported that card transaction was not successful, and actually transaction nevertheless is carried out. And so on.

In all these cases it is necessary to write the application to a bank - the issuer, that is the bank which issued the card (the term during which it is possible to challenge illegal write-off from the card account, should be specified in the bank).

After obtaining the statement the issuing bank and merchant acquirer (to whose advantage money from your account was transferred) will begin to understand on whose fault there was an unauthorized write-off (or will try to shift fault to an outlet and will turn on it collecting after compensation to you losses). I will also find out Besides, whether the injured client is a swindler or his accomplice. Banks can demand a package of additional documents from the victim. For example, at identification of transaction on the card where - nibud in Indonesia (while the card holder did not leave borders of Russia) the copy of the international passport and the reference that the employee was not in holiday will be such additional documents.

If banks are not able to understand who is guilty, goes into action payment service provider (Visa, MasterCard or another). The bank which counted itself by an affected party appeals to payment service provider to write off the necessary sum of money from allegedly guilty bank. This sum is written off without trials. If the bank off which account the specified sum was charged does not agree, it protests write-off. And then the payment service provider carries out arbitration and defines bank - responsible . Here nuances are possible.

By rules of transfer of responsibility, that party which did not pass to chip technologies (cards which should be filled up via the ATM before receiving cash through it) will be guilty. However, as the Russian banks generally do not use the chip yet, guilt will be determined by payment service provider by other parameters. In general, process of return of illegally written off money can borrow from several days (if the case is obvious) to three and more months. At the same time at all can refuse to you return of means (for example, it is rather difficult to challenge ATM transactions, especially within one city). And here if it becomes clear that the client deliberately tries to deceive bank, it will entail criminal liability for it.

Situation the third. You try to challenge the operation of card purchase performed on the Internet or by phone

By and large this situation - only a variation above-stated. But its feature consists that to challenge operations on the Internet and by phone it is quite difficult. One banks in general block the Internet - transactions (that is just do not carry out authorization on the Internet), others carry out authorization, but state in the rules that they are not responsible for roguish operations in the Network and at payment of purchases by phone.]