I lost my card (Sberbank), what should I do first?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

There are many open topics on the Internet on forums with questions: “I lost my card (Sberbank), what should I do?” And the number of such topics is constantly growing. This is due to the fact that banks poorly inform their customers about such actions, as well as the rapid transition to card payments between the employer and his workers.

Storing funds on a card is not always safe

In this regard, the amount of cash with which people go out into the street is decreasing. After all, why is it needed if you can take a light plastic card with you, which does not take up much space and is convenient to use?

But not everything is as good as it seems at first glance. From year to year, the number of scammers who steal plastic cards is increasing. They came up with many tricky schemes on how to lure the payment instrument out of your hands. So, if a person has lost a card (Sberbank), what to do in such a situation?

First of all, get yourself together

First of all, don't panic. Oftenthere are times when the card was simply put in the wrong pocket or in another bag, jacket, jeans, etc. If you are at work, then remember whether you took it in the morning, whether you were at an ATM, used it or not.

But keep in mind that you have little time to think, because while you are thinking, someone may already be buying household appliances or other valuables at your expense.

If you still realize that the card has been stolen, block it immediately.

How can I block a card?

This can be done in several ways:

- Call the hotline or the bank branch. During a call, you can directly ask the question: “I lost my card (Sberbank), what should I do?” This method is the most convenient. But in order to call the bank, you need its number. Each plastic card has a hotline number that you can call. It is worth writing it down in advance or saving it on a mobile phone to insure yourself. To perform an operation to block the card, the operator may ask you for your passport data and a secret word-password for accessing the card. It is always indicated in the contract for banking services, which is concluded when opening a card account in a bank.

- Come to any branch of the bank. If any bank branch is located near your location, then you can come there without a call and ask the same thing as when calling: "I lost my card (Sberbank), what should I do?" You will immediately be prompted to block it. But in order to do this,you must have a passport or other documents identifying you.

Don't forget to order a new one for yourself

If you have blocked your card, you can immediately order a new one through the operator or a bank employee. To carry out such an operation at a bank branch, you will need a passport. And if by phone, then no additional documents will be required from you, but additional questions from the operator are possible.

After the client has lost a Sberbank bank card, you need to wait until it is issued. In order to withdraw money before a new card is handed over, you must have a passport with you and contact the bank branch. Depending on the tariff at which you are served, the bank can perform such an operation with or without a commission. This is very convenient if a person has lost a Sberbank salary card.

How to protect yourself?

To stay safe, always follow these rules:

1. Never tell anyone your PIN code from the card. The access code to your card should be known only to you and no one else. Bank employees never ask and have no right to know.

2. Do not store your PIN next to a plastic card. A very common mistake people make is to keep a credit card with a pin code in their wallet. If an attacker steals your wallet, he will take not only the card itself, but also unlimited access to its resources using your password.

3. Change your PIN periodically. Remember, in the life of each of us there are times when you have to go to an ATM with colleagues. No matter how confident you are in the honesty of an employee, he can peep the pin code if you are nearby. In order to reduce the risk of withdrawal of funds by strangers, change your card access password periodically. Experts recommend at least once every 2-3 months, depending on the activity of using the card.

4. Set limits on the withdrawal or payment of goods at the point of sale. This action will allow you to limit the damage that you may incur if the card is stolen. You will always have the opportunity to increase the limits or remove the limits with a phone call to the bank.

Write a statement to the bank about the theft of the card

If the attackers who stole the card still managed to withdraw money from it, then write a written statement at the bank branch that your card was stolen. The bank may require that you write a similar statement to the police. Then follow the instructions of the bank employees. If you can prove that you were not around at the time of withdrawing money from the card, then the bank will return these funds to you. Usually, the operation to return such funds takes from one to three months.

This is especially important when a customer has lost a Sberbank credit card. After all, because of the theft, you can get into debt.

All this will help you answer the question: “Sberbank serves my organization, I lost my card, where to call?” Be vigilant and follow the tips in the article. Andremember that no advice can guarantee you the safety of your funds if you are inattentive and careless with your bank cards.