Without a doubt, you know someone who has been through the terrible situation of having their credit card stolen, right? But what to do when this happens? And how not to be harmed by this situation?

Well, today we have special content to help you with the entire process that must be carried out in the event of theft or improper purchase using your card. As well as tips to prevent other people from having access to your data. Want to know more? So, continue reading below!

First of all, credit card theft has become a huge problem these days. This is because plastic provides great purchasing power and can be used both in physical establishments and for online purchases without many complications.

Well, if you've had your credit card stolen, there are some steps you need to follow and now we're going to talk about what they are.

First, you need to report the theft immediately to the financial institution responsible for issuing your credit card and request it to be blocked or canceled. An important tip is to ask the attendant to provide the protocol number and send the recording of the conversation to your personal email. This way, if due to some internal error the administrator does not proceed with the cancellation, you can prove that you made the request.

Once the card issuing bank is aware of the theft, the next step is to file a police report with the Military Police. So, you can do this in person at the police station closest to your home or online via the PM website.

So, what should you do if you didn't identify the theft quickly enough and had one or more purchases approved before blocking the card? Well, this can be a big problem if you don't know your consumer rights very well.

First of all, you must contact the card operator and inform them which purchases were made incorrectly. So, request the plastic blockage to prevent this from happening again.

Therefore, the administrator responsible for your card carries out an investigation into what happened, and upon proving fraud, refunds the amount spent to you. It is important to note that, by law, the operator must refund the amount even if you have already paid the invoice.

First of all, you must contact the card operator and inform the attendant that you do not recognize the purchase made. It is the administrator's full responsibility to protect your data and they cannot charge you for a purchase you did not make.

Improper purchases due to card cloning are caused by the bank's security flaws and the bank must be responsible for any damage caused to you. Therefore, demand the cancellation or refund of the purchase.

The administrator has the technological means to identify when and where your card was used, and it is also their responsibility to report the incident to the police.

Well, there are some methods you can follow to avoid headaches with inappropriate purchases made on your credit card. This way, you can make your purchases more safely and without worrying about possible fraud.

Firstly, avoid writing down your passwords on a piece of paper or in your cell phone's notepad. Other people may have access to this information and use your card without your consent.

It is also very important not to pass on your card information or photos to third parties via instant messaging applications. Everything related to your card is your responsibility, and if this information falls into the wrong hands, you will be the one who will pay for it.

Furthermore, many administrators offer an SMS service that notifies the customer of each purchase made. It is a paid service, but very useful for controlling your card spending and preventing misuse.

Furthermore, when shopping online, avoid accessing unknown websites and find out the reputation of the store you are purchasing from. So, give preference to using virtual cards that you can generate through your bank's application. They are disposable and can be used for a single purchase, offering you more security.

So, did you like our article on what to do when your credit card is stolen? So, don't waste time and check out the recommended content for more card tips!