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Zgubienie lub kradzież karty płatniczej - sprawdź co powinieneś zrobić
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Co ci grozi, gdy stracisz kartę?

Sprawdzasz kieszenie i torbę – okazuje się, że nie masz portfela. Miałeś w nim nie tylko gotówkę, dowód osobisty, ale i kartę płatniczą. Co się stanie, jeśli portfel z całą zawartością trafi w niepowołane ręce? Musisz przygotować się na taką ewentualność. O tym, jakie możliwości cię czekają i jakie powinieneś wówczas podjąć kroki, piszemy poniżej.

Opcja numer 1: nie grozi ci nic

Jeżeli jesteś dobrze zorganizowany i przygotowany, jedyną stratą jaką poniesiesz będzie utrata gotówki z portfela. Aby jednak się tak stało, musisz zadbać o jak najszybsze zastrzeżenie karty. Nie musisz w tym celu iść do oddziału swojego banku. Wystarczy jeden telefon do pracownika banku, który zadba o to, by już nikt nie mógł z niej skorzystać. Można również dokonać tej procedury poprzez skorzystanie z bankowości elektronicznej – przeważnie jednak zajmuje to więcej czasu niż krótka rozmowa telefoniczna. Aby skrócić czas działania do minimum, dobrze jest na wszelki wypadek zapisać sobie numer infolinii banku w telefonie.

Opcja numer 2: stracisz nieznaczną sumę

Jeżeli twoją kartę można wykorzystać przy płatności zbliżeniowej, złodziej może się nią posłużyć zanim zdążysz dokonać zastrzeżenia. Pamiętaj jednak, że zbliżenie karty bez konieczności wprowadzania numeru PIN sprawdza się jedynie przy płatnościach poniżej 50 zł. Nawet jeżeli coś stracisz – nie będzie to zawrotna suma.

Opcja numer 3: pożegnaj się z oszczędnościami

Poniższa wizja jest skrajna, a mimo to wciąż można się z nią spotkać. Dotyczy ona niezwykle nierozważnych osób, które oprócz karty noszą w portfelu również zapisany PIN. Zachowanie takie jest całkowicie nieodpowiedzialne i często kończy się dla właściciela karty tragicznie. Jeżeli w porę nie zorientuje się, że nie ma przy sobie portfela, może zostać pozbawiony bardzo dużej sumy.

Dobre rady

Aby ograniczyć nerwy związane z utratą karty, należy zastosować się do kilku rad:

  • Nigdzie nie zapisuj numeru PIN – to tylko cztery cyfry, na pewno je zapamiętasz
  • Zmniejsz limit wypłacanych pieniędzy i przeprowadzanych w danym dniu transakcji zbliżeniowych
  • Zapisz numer infolinii banku w telefonie

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