The theft of bank card has become quite nerdy. Today, the time is at the distance fraud, the perpetrators hack the card number and do not even need the card. Fortunately in this case, the bank has to compensate you. Here you can find out credit card hacking and how to get reimbursed from the bank.
Remote Credit Card Hacking, Data Piracy
When you make a payment remotely, therefore on the internet or by telephone, there may be hacking of your banking information at the time of the transaction.
Normally, during this purchase, you only give the 16-digit number of your card and its cryptogram. It is not your PIN that does not validate the payment, nor your signature.
For these risks, the law protects consumers.
Statements for Proof
If you wish to dispute a payment that is not your fault, you must report it to your bank within 70 days . This period runs from the date on which the payment was registered, not to the date of receipt of your statement of account.
Be very careful with your statements, it is the only way to see you from piracy.
As a result of your dispute, your bank will have to refund your withdrawals. It must then reimburse you in full the amount in dispute within one month , according to Article L132-4 of the Monetary and Financial Code. Better, the bank must reimburse you all the expenses inherent to credit card hacking.
To avoid all risk, make your purchases on known sites where the payment by credit card is secured.
Similarly, to avoid repeated credit card hacking and your banker will undoubtedly advise you, even if the card is not lost to oppose to change and change the codes. But remember that the costs of change can not be charged to you: the bank must take care of it .