There are many open topics on the Internet in forums withquestions: "I lost the card (Sberbank), what to do?" And the number of such topics is constantly growing. This is due to the fact that banks poorly inform their customers about such actions, as well as the rapid transition to card payments between the employer and his workers.
Keeping funds on the card is not always safe.
Due to this, the amount of cash decreasescash with which people go outside. After all, why is it needed, if you can take a light plastic card with you, which does not take up much space and is easy to use?
But not everything is as good as it seems at firstsight. From year to year the number of fraudsters who steal plastic cards increases. They came up with a lot of tricky schemes, how to lure the payment tool from your hands. So, if a person lost a card (Sberbank), what to do in such a situation?
First of all, pull yourself together
First of all do not panic.Very often there are cases when the card was simply put in the wrong pocket or in another bag, jacket, jeans, etc. If you are at work, remember if you took it in the morning, were you at an ATM, used it or not .
But keep in mind that you do not have much time to think, as long as you think someone may already be buying home appliances or other valuables at your expense.
If you still understand that the card was stolen, then immediately block it.
How can I block a card?
This can be done in several ways:
- Call the hotline or branchbank. During the call, you can directly ask the question: "Lost the card (Sberbank), what to do?" This method is the most convenient. But in order to call the bank, you need his number. Each plastic card has a hotline number where you can call. It is worth it in advance to write or save to your mobile phone to hedge yourself. To perform a card blocking operation, the operator may ask you for your passport details and the secret word-password to access the card. It is always indicated in the contract for banking services, which is concluded when opening a card account in a bank.
- Прийти в любое отделение банка.If any branch of the bank is not far from your location, you can go there without a call and ask the same thing as when you called: "I lost my card (Sberbank), what should I do?" You will immediately be asked to block it. But in order to do this, you must have a passport or other documents that identify you.
Do not forget to order yourself a new one.
If you have blocked your card, you can immediatelythrough the operator or bank employee to order a new one. To carry out such an operation in the bank branch you will need a passport. And if by phone, no additional documents will be required from you, but additional questions from the operator are possible.
After a customer has lost a bank cardSberbank, you need to wait until it is emitted. In order to withdraw a cash card before handing it in, it is necessary to have a passport with you and contact a bank branch. Depending on the rate at which you are serviced, the bank can perform such an operation with or without a commission. This is very convenient if a person has lost a Sberbank salary card.
How to protect yourself?
In order to protect yourself, always follow these rules:
1. Never tell anyone your PIN code from the card. Access code to your card should know only you and no one else. Bank employees never ask and do not have the right to know it.
2.Do not store the pin code next to a plastic card. A very common mistake of people is to store a credit card with a PIN code in the wallet. If an attacker steals your wallet from you, he will acquire not only the card itself, but also unlimited access to its resources using your password.
3. Periodically change the pin code.Remember, in the life of each of us there are times when you have to go to an ATM with colleagues. No matter how confident you are about the honesty of an employee, he can peep a pin-code if you are nearby. In order to reduce the risk of withdrawing money by unauthorized people, change your card access password periodically. Experts recommend at least once every 2-3 months, depending on the activity of using the card.
four.Set limits on the withdrawal or payment of goods at the point of sale. This action will allow you to limit the damage that you may suffer in case of card theft. You will always have the opportunity to increase the limits or remove restrictions using a phone call to the bank.
Write a statement to the bank to steal the card
If the attackers who stole the cardstill managed to withdraw money from her, then write a written statement to the bank branch that your card was stolen. The bank may require you to write such a statement to the police. Then follow the instructions of the bank employees. If you can prove that you were not there at the time of withdrawing money from the card, the bank will return the money to you. Usually the operation to return such funds takes from one to three months.
This is especially important when a customer has lost a Sberbank credit card. After all, because of the theft, you can get into debt.
All this will help you to answer the question:“Sberbank serves my organization, lost the card, where to call?” Be vigilant and follow the tips given in the article. And remember that no advice can guarantee you the safety of your funds if you are inattentive and careless about your bank cards.
