The credit and debit card is one of the preferred means of payment for users to make their payments. They are not lacking in the wallet and are used to pay the bill at the restaurant, purchases at the store or simply withdraw money from ATMs. It has become a practically indispensable tool for a good part of the population. For this reason, one of the biggest problems it generates is the loss or theft of them. Creating a series of incidents in their headlines that must be corrected in the shortest space of time.
Faced with these scenarios, the objective of the users must be twofold. On the one hand, preserve your savings above other considerations. And in a second try to get a quick replacement of the plastic to be able to continue with your usual operations. Where the greatest risk of the loss or theft of a credit or debit card is that it can be used by third parties. Not in vain, most of the measures that you will have to take will be directed in this sense. With a little imagination and above all discipline in the performances you will achieve that the disappearance of this payment method becomes just a scare.
If you are the holder of a bank card, you will surely have gone through this unpleasant situation at some point or other. At first your feeling will be of eminent nervousness but you will see that if you follow a series of advice with discipline, everything will return to the previous situation. Although in all cases, one of the keys to eliminate more risk it will be that you act very quickly. Because in this sense, the minutes play a fundamental role so that you do not have problems with your credit or debit card.
Card disappearance: notify it
If you go through this situation, your first measure should be to communicate the event to the bank with great immediacy. In this sense, it is very useful bring the phone number of the entity listed in your wallet or even better on your mobile. So that in this way, you can formalize this process with great agility. Wherever you are and at any time of the day. At the precise moment that you communicate that you have lost the card, they will block it. So that no one can use this means of payment and even less that they are in a position to withdraw cash from this banking tool.
The moment you notify of the disappearance of the credit and debit card, you will no longer be able to operate with it. It is a precautionary measure against what can happen from that moment. So that within five to seven days send you another plastic with the same characteristics to your home. It will be the same card, but with a very important difference and that is that you will have a different password and password. But with the same functions as up to now, which is ultimately what it is all about. Where the main fear you face is that they can access your checking account balance.
Review account movements
The next step that you must take after the loss or theft of a credit or debit card is to check that no one has been able to enter your positions in the bank account. For this, you will have no choice but to check your balance and if you find that there is a abnormal movement You must notify your financial institution as soon as possible. This action must be carried out within a few minutes of this unpleasant incident. And you should review in great detail all the charges that are listed in the account.
It is common for these events to happen to you when you are on public roads or perhaps in a destination other than where you live. Well, in these cases it is very important that you have a mobile phone or another technological tool at hand from where you can connect is your bank. You will only need a password to access the contents and analyze all the movements that have been developed during the last hours. Without having to wait for the bank branch to open and notify this event that you have been affected by.
Notification to the security forces
Another more expeditious measure consists of filing a complaint to the state security forces in the town where you are domiciled. This measure is really effective in the event that your credit or debit card has been stolen. Because in this way, these forces will have better information to recover the amount disappeared or stolen by third parties. In addition, it will be an action of great importance in the event of litigation that you have before your bank as a result of the loss or theft of a credit or debit card.
On the other hand, you should keep in mind that once they have accessed your personal account you won't be able to do anything anymore. But on the contrary, you must take other more radical actions to get your money back. For this reason, it is so important to foresee these unwanted scenarios for holders of a means of payment of these characteristics. Even if this means some inconveniences in your daily life. For example, that you cannot withdraw money from automatic devices or even that you do not have liquidity to make purchases.
Tips at ATMs
These bank offices are one of the most sensitive places for these actions to take place. That is, to be the object of a robbery, especially if the ATMs are located outside and in full view of the public. To avoid these scenarios, you have some behavioral guidelines that will help you prevent these actions that are so harmful to your personal interests. And among which are the following that we expose you below:
- If you notice any strange movement from someone else, you'd better give up your intention to withdraw money from the ATM and go to another device that is much more secure.
- You must make sure that there is no one around you that is observing the movements that you are developing in the ATM. In this sense, you should know that if there is a margin of space with respect to the people who follow you in this demand through this means of payment.
- You should not carry your password and class At the same place in you have your credit or debit cards. As for example, in the same portfolio. On the contrary, the solution to this problem lies in depositing them in different places to hinder the actions of third parties.
- When you write down the code of your credit or debit cards it is very important that they are interspersed with other numbers. For example, those corresponding to your national identity document, date of birth or other digits that you can easily recognize.
- It is always preferable that you go to ATMs that are located inside of the bank. This system is so much more secure that you can close the access door to the street, without anyone bothering you at any time.
Be careful when entering the password
Of course, there are other scenarios in which you can lose this means of payment, without having to see the actions of third parties. One of these cases occurs when you enter wrongly your password. Not surprisingly, ATM systems give you up to three attempts so you can enter your banking positions. If not, you will be in for the unpleasant surprise that your plastic was swallowed without being able to retrieve it. In this case, you will have no choice but to go to the branch where this situation has occurred and notify what has happened. You will not have excessive problems to recover it after verifying that you are really the holder of the credit or debit card.
In this sense, a very practical advice in these cases is that you do not know for sure what the access code is is that you give up the operation. Or at least to inform you of the numbers or digits that have been provided to you from your bank. Because the safest thing is to lose your card momentarily. With the damages that this actions entails in your daily life. On the other hand, you cannot forget that an incident may occur in the automatic device that leads you to this scenario. Luckily for your interests, these cases are already marginal due to the perfection of the new technological systems.
In any case, these cases that we are raising you is something that can happen to you at any time and situation. You will have no choice but to be prepared for what may happen from now on. And above all, that you are very clear about the steps you have to take to correctly correct these problems that may occur. Knowing at all times that you will always have to notify your issuing entity of these actions to avoid greater evils.