How to return stolen funds from the card?

Credit bank cards are now being unwound very quickly: it is already difficult to find an inhabitant of a huge city who does not have one, or even a certain number of bank cards. And it is completely natural that plastic scammers still do not do on the spot, developing, with the support of technology, new methods of taking funds from the population. And the desire to increase the energy of scammers in the conditional sphere only grows, while the whole world. According to the law, banks will have to give the funds to the robbed buyers immediately, and only later figure out who stole it. But for now, the banks have asked to delay the introduction of the law into force. How to return stolen funds from the card, what abilities does the consumer have? In this article, we will tell you how to act if your funds have been "stolen" from a bank card.

Today, the owners of credit cards, it can be stated, are not actually protected from unjustified debiting of funds from the card. The federal establishment "On the State Payment Procedure", which would oblige credit systems to harm victims of fraudsters, was obliged to enter into force at the end of 2012, but the bankers managed to delay the rule of this act of no interest to their law for one year.

However, according to professionals, the entry of the 1st law alone will not undoubtedly help to improve the situation. It is necessary to improve the informative security, improve the comfort and security of the web banking service and other online credit systems. And since there are no legitimate reasons to order banks to return funds stolen from cards, then they have to do everything only with their own relics.

One of the most 1st and fairly effective security measures is the inclusion of SMS notification services, which is still commercial for almost all banks, but in a short time must exist free of charge. The provided service allows you to effectively find out all the actions that happen on your account. Naturally, the SMS will come after the funds are knocked down, however, as practice indicates, it is even easier to return funds by hot prints. And of course, if there was an unauthorized write-off of a share of funds from the card, then you can block the credit card in the shortest possible time, leaving at least the remains of the funds. The fact that the card is quickly blocked by the buyer is considered a plus in the case of theft.

In the belief, by itself, the preservation and introduction of bank cards is considered quite dangerous. It is quite difficult to justify that the funds were specifically stolen, and not withdrawn personally by the client. And it is at least artless to expect the bank to repay losses. It is necessary to justify that the funds were stolen, and for this you need to make a confirmation of your own non-involvement in the withdrawal of funds. This can be a log of telephone conversations with bank employees, and a report on an account with zero equilibrium. Then pay a visit to the bank, where you need to make a statement, where you dispute the cancellation of funds from the account and show the necessary amount of stolen. Then it remains only to make a reserve of perseverance and wait for the withdrawal of the bank. It has the possibility of being both a month and 2. And there is no guarantee that the funds will be returned. Together with the application, the bank will also select a credit card.

In addition, it is absolutely necessary to make a statement about the accident to the police, make sure that it is recorded. If the bank, after its own investigation, refuses to give the funds, then only the court remains. It is necessary to submit an application to the court only for the registration area, and if the bank demands that the court proceedings be carried out on the site, then this is not justified.

As you can see, there are not enough devices for acting on credit systems to return stolen funds, which puts the bank's client and the bank personally into various weighted categories. This does not prepare deference to the government, which pushes unseemly and unnecessary laws, but the really necessary laws are simply set aside, and the question "how to return stolen funds from the card" remains almost rhetorical.