On the Internet, there are many open topics on the 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 do not inform their clients about such actions, as well as with the rapid transition to card payments between the employer and his workers.
In connection with this, the amount of cashmoney, with which people go out. After all, why is it needed, if you can take with you a light plastic card that does not take up much space and is convenient 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 cunning schemes, how to lure out a payment tool from your hands. So, if a person has lost a card (Sberbank), what to do in this situation?
First thing do not panic.Very often there are cases when the card was simply placed in the wrong pocket or in another bag, jacket, jeans, etc. If you are at work, then remember if you took it in the morning, whether it was in the ATM, used it or not .
But keep in mind that you do not have much time for meditation, because while you think, someone may already buy their own appliances or other valuables at your expense.
If you still understand that the card was stolen, then immediately block it.
This can be done in several ways:
- Call the hotline or branchbank. During the call, you can directly ask the question: "I lost the card (Sberbank), what should I do?" This method is the most convenient. But in order to call the bank, you need his number. Each plastic card has a hot line number where you can call. It is worth it in advance to write down or save on a mobile phone to hedge itself. To perform an operation to block the card, the operator can ask you for your passport data and the secret word-password for accessing the card. It is always indicated in the contract for banking services, which is when you open a card account with a bank.
- Come to any branch of the bank.If any branch of the bank is located near your location, you can go there without a call and ask the same thing as when you call: "I lost the card (Sberbank), what should I do?" You will immediately be asked to block it. But in order to do this, you need to have a passport or other documents identifying you.
If you have blocked your card, you can immediatelyand through the operator or a bank employee order a new one. To carry out such an operation in the bank branch you will need a passport. And if on the phone - then no additional documents you do not require, but additional questions are possible from the operator.
After the client has lost the bank cardSberbank, you need to wait until it is emitted. Before you hand over a new card to withdraw money, you need to have a passport with you and go to the bank branch. Depending on the tariff, on which you are served, the bank can perform such an operation with or without a commission. This is very convenient if a person lost the salary card of the Savings Bank.
In order to protect yourself, always observe the following rules:
1. Never tell anyone your PIN code from the card. The access code to your card should be known only to you and no one else. Employees of banks never ask and do not have the right to know it.
2.Do not store the PIN code next to the plastic card. A very common mistake people make is to keep a credit card with a pin code in your wallet. If an attacker steals your wallet, he will take possession not only of the card, but also of unlimited access to its resources, using your password.
3. Periodically change the pin code.Remember, in the life of each of us there are cases when colleagues have to go to the ATM. No matter how confident you are about the honesty of this or that employee, he can peek at the pin code if you are nearby. In order to reduce the risk of withdrawing money by strangers, periodically change your password to access the card. Experts recommend at least once in 2-3 months, depending on the activity of using the card.
4.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 can incur in the event of a card theft. You will always have the opportunity to increase the limits or remove restrictions using a phone call to the bank.
If the attackers who stole the card,still managed to withdraw money from her, then write a written statement at the bank's office stating that you have stolen a card. The bank may require that you write such a statement to the police. Then follow the instructions of the bank's employees. If you can prove that at the time of withdrawing money from the card you were not there, then the bank will return these funds to you. Usually the operation to return such funds takes from one to three months.
This is especially important when the customer lost the credit card of the Savings Bank. Because of the theft you can get into debt.
All this will help you answer the question:"Serves my organization Sberbank, lost the card, where to call?" Be vigilant and follow the advice 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.
