If you notice a transaction on your Visa card that you did not make, it is critical to take immediate action to protect your account and minimize potential losses. The initial action is to carefully review your recent statements to verify that the charge is not legitimate. Sometimes charges may be listed as a alternate merchant name or be confused with a recurring payment you overlooked.

Once you are certain the transaction is not authorized, contact your bank or card issuer immediately. Most financial institutions offer 7 fraud hotlines that you can reach using the customer service number on the back of your card. When you call, have your card details ready and be prepared to explain the unauthorized transaction, including the day, total charged, and merchant name. The bank will likely require you to authenticate your identity and may freeze your card to stop additional fraud.

After reporting the issue, your bank will commonly start an investigation. During this time, you will not liable for the fraudulent charges as long as you report them without unnecessary delay. Under Visa’s fraud protection guarantee, you are protected from unauthorized transactions as long as you inform your issuer in a reasonable timeframe and were not careless with your card information.

While the investigation is in progress, your bank may issue a new interim card with a different account number. This ensures you can keep using your card without interruption. Do not overlook any further instructions from your bank, such as filling out a dispute form or providing additional documentation.

To stop repeat incidents, خرید ویزاکارت consider enabling transaction alerts through your bank’s online portal. These alerts send you via text or email every time a purchase is made, so you can detect fraud right away. Also refrain from disclosing your card details over non-encrypted sites or with unknown parties. Use complex passcodes for your online banking accounts and avoid duplicating passwords across different services.

Finally, keep an eye on your statements each billing cycle, even if you do not use your card often. Regular monitoring helps catch small fraudulent charges. If you ever have reason to believe your card was compromised, contact your bank right away—timely reporting is the best strategy your money and your financial security.