What to do if the crooks stole the money from the card

The popularity of plastic cards is rising, and for many they have become a familiar payment tool that allows you to make cashless payments in a store or restaurant and purchase goods and services on the Internet. But the flip side of the widespread introduction of Bank cards is the increased interest to these crooks, so no one is protected from unauthorised access to your checking account and that money will be debited from the card without the participation of its holder.

Your first action

The first thing you should do in case of detection of "hacking" your card, it is urgent to call to your issuing Bank, i.e. the one whose card was charged. Almost every Bank offers free round-the-clock hot line on which to contact the Bank, you can without any problems. This phone number is usually listed on your card. So, to contact the operator of Alfa Bank you can at the following number: 8 800 200-00-00, with the Bank of Moscow at the following number: 8 800 200-23-26, VTB - 8 800 200-77-99, VTB24 – 8 800 100-24-24, Gazprombank – 8 800 100-00-89 with Sberbank – 8 800 555-55-50.

Currently, Russia is the leader among European countries in the number of cases of fraud with Bank cards.

Be prepared to tell the operator information by which he will be able to identify you as a valid customer of the Bank. You need to call the surname, name and patronymic, passport data, and a code word that you have specified in the contract. After your message about unauthorized actions with the card, the operator must immediately to block it, even if crooks manage to steal all the funds stored on it. Write down the name or number of the operator whom you talked.

No need to panic

You can expect that the money taken from your card, the Bank will reimburse you in full. The fact is that from January 2014, entered into force article 9 of the Federal law No. 161 "On national payment system". According to her, the Bank is obliged to do, unless you can prove that you had violated the rules of using a credit card. But keep in mind that the compensation you will be entitled only when you timely inform the Bank about the incident – i.e. during the day. The same applies to cases when the card was lost or stolen.

Keep in mind that every case of debiting banks are now required to inform the customer via SMS message or email notification.

This advice: you must have proof that the requirement of the Bank for timely treatment you have done. So it makes sense after talking with the operator to contact the Bank through email and to duplicate the message on withdrawals and the request for blocking the card. Please include the details of the operator with whom you spoke. If possible, visit the nearest branch of the Bank and also Express his or her statement describing the incident.