Credit cards. /
The term to claim the amount is 13 months
The use of credit cards has decreased considerably since it is possible to pay with the mobile, but, nevertheless, we must not neglect the movements of the bank account. The possibility of finding unauthorized payments with our card is always there, so it is important to be aware of the charges and check that they are correct. Normally, when reviewing the statements, we recognize them and remember the place of each purchase. On the contrary, if we find an expense that we do not remember having made, it is most likely that we have been charged without our authorization and it is a scam.
In such a case, we would be talking about a fraudulent use of our card. According to the Bank of Spain, it would then be necessary to notify the issuer of the account in which the charge has been made in order to stop fraud and avoid new charges.
In any case, the customer can claim the stolen amount within a period of 13 months from the date of collection. To do this, you must fill out an unrecognized charge form, specifying the date, the amount and the name from which the charge was made. In some cases, a police report may also be requested.
The Bank of Spain also explains that once this procedure has been carried out, the entity is responsible for possible unauthorized operations that may come later. If it happens after having reported the problem, the entity has the obligation to respond and return the amount of the same at the end of the next business day.
The exeption
There is an exception to this obligation of the banks: if it is considered that the charges derive from a fraudulent action of the holder or gross negligence. Above all, it happens in matters related to the proper use of the card or the protection of security elements.
It usually happens in the charges made by cybercriminals after the holder has fallen into a fraud and has delivered the card keys.