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Credit card Misuse

Unauthorised transactions Debit card misuse   Privacy protection

What To Do If You Find Unauthorized Transactions On Your Account
 by: News Canada

(NC)-If you find unauthorized transactions on your credit card account, follow the steps below to find out whether you can be reimbursed:

Step 1: Contact your credit card issuer immediately to report the unauthorized transactions.

Step 2: Check your credit card agreement. By law, your agreement must contain a section that explains your maximum liability (usually $50) in the case of lost or stolen credit cards, or the unauthorized use of your credit card account number.

Step 3: Find out if your credit card issuer offers "Zero-Liability" on unauthorized transactions. For example, Visa and MasterCard cardholders are protected beyond the maximum liability found in their credit card agreements. This is done through a public commitment Visa and MasterCard call the "Zero-Liability Policy". If your Visa or MasterCard is lost or stolen, or if someone uses your Visa or MasterCard account number to make transactions you did not authorize, you can usually be reimbursed.

This policy applies to transactions made on the Internet, by phone or at retailers, but may exclude personal identification number (PIN)-based transactions - for example, a cash advance made on your card at an automated banking machine (ABM) - and transactions made on corporate credit cards. Find out from your credit card issuer whether they have such a policy and how it can protect you. Note that these policies are not listed in credit card agreements, since they are public commitments and not legal requirements.

For more consumer tips on how to choose and use the credit card that best suits your needs visit the Financial Consumer Agency of Canada Web site at http://www.fcac-acfc.gc.ca or call toll free 1-866-461-3222.

About The Author


News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web.

News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services.
 

 

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