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متابعة

If your credit card gets stolen. would you be responsible for unauthorized charges?

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تم إضافة السؤال من قبل مستخدم محذوف‎
تاريخ النشر: 2014/03/12
Sameer Khan
من قبل Sameer Khan , Financial Accountant , Centro Salama by Rotana

YES, but any transaction made after the blockage request from the customer then he is not resonsible. After all it is insured. In Canada and most part of the of the west, after having investigated if they found out that your card was actually lost then you'll be refunded.

Muhammad Farooq
من قبل Muhammad Farooq , Plant Operations and Project Manager , WR Grace

yup unless bank is immeditaely informed about the stolen card and card is blocked

Arun Kumar
من قبل Arun Kumar , Freelance Faculty-Mathematics , Career Launcher and Konfidence

yes, if you do not block the credi card on time, and between the time of losing the cc and blocking the cc, transactions have been made, then it is the credit issuing Banks responsibility to honour the payments, as THEY would not know if it was you or someone else who is using the card.

 

 

Divyesh Patel
من قبل Divyesh Patel , Assistant Professional Officer- Treasury , City Of Cape Town

It depends. Sometimes the bank do not charge if the issue is reported immediately.

 

As a card holder, you should notify the issue immediately if you notice that your credit card is missing or stolen. This early notification will give the issuer time to help you with the following:1. Verify if and where fraud has occurred.2. Remove unauthorized charges from your credit.3. Close down your account to prevent future fraudulent charges.4. Issue you a new card and account number.

Mujtaba Hussain
من قبل Mujtaba Hussain , Accounts officer , Miraj Entertaiments

The Fair Credit Billing Act (FCBA) is the Federal law that covers stolen credit cards. Under the FCBA, you won't be held liable for any charges if you report the theft before any fraudulent charges are made. However, you could be liable for up to $50 if the thief uses your stolen credit card before you report the theft. So it's important to report your stolen credit as soon as you notice it's missing.

 

If the fraudulent charges are made using only your credit card number and not your physical credit card, you won't be liable for any of the fraudulent charges. The credit card issuer may ask for the security code on the back of your credit card to verify the credit card is still in your possession. Be careful that you're not falling for a phishing scam where a scammer tricks you into giving out your security code by saying that fraud has been detected on your account. Only give out sensitive information on calls you initiate to a number that you've confirmed is your credit card issuer.

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