My card has been cloned, how can I proceed?

Imagine the following situation: Your credit card bill arrives and the amount is exorbitant, far beyond your expenses. At this point, you begin to investigate what has been spent and discover many purchases that are not known to you. At this time you discover that there was a fraud and hit that doubt. My card has been cloned, how can i proceed?

Faced with this sad scenario, which unfortunately happens quite often, today we have brought you a special article to help you take action and avoid this scam. Follow!

My card has been cloned, how can I proceed?

The first action as soon as you realize that your credit card has been cloned is to immediately call the card company, inform the situation and request the blocking of the same, so as to begin the correct procedures for chargeback. In addition, make the police report online at the Virtual Police Station of your state, in order to protect yourself from any problem and flag purchases that are not your own.

Finally, with this procedure, the card company will issue a new route with different numbers and deliver it in a way that ensures your security.

How do they clone credit cards?

In general, scammers use information that allows you to make online purchases and for this the scammers take the information such as the bank, the credit card flag, card number, validity, security code, name and CPF of the holder.

The most common ways to get this data are through unsecured websites, possession of the victim’s card in cases of robberies and thefts and SMS and Whatsapp messages, in which the scammers impersonate their card operator. In this modality, those who apply the scam request a “confirmation”, sending a link, causing the customer to fill in sensitive data and consequently authorizes access to the scammers.

How to Protect Your Credit Card from Cloning

The first option is to activate with your carrier the notification, so any movement on your credit card, you will receive a message communicating the action. Check out more actions needed to protect you:

• Remove your card registered on sites that you make purchases;
• Avoid leaving the house with the physical card, these days it is possible to enable the virtual card;
• Keep your card in a safe place and never post a photo or send it through a messaging app;
• Always use the virtual card and leave it locked, always unlock when using;
• Always keep an eye out when you need to deliver your physical card to someone, when using it in an establishment, do not allow the attendant to take it elsewhere.
• Some establishments have the habit of changing the machine to clone cards, give preference to places you know and have confidence.

When the card is cloned who pays the bill?

It is not the responsibility of the cardholder to bear the illicit expenses arising from cloning, but rather the card operator. This is because cloning is configured as a failure of the company. In this way, even if the invoice has already been paid, ask for a refund of the amount you do not recognize. And always have a well-aligned financial planning

Tips noted? Now it’s time to put it into practice. Care, attention are still your best allies. Count on a reliable card company to assist you at all times.

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