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If you notice a transaction on your Visa card that you did not make, it is essential to take immediate action to prevent further damage and minimize potential losses. The very first thing is to thoroughly examine your recent statements to verify that the charge is truly unauthorized. Sometimes charges may be listed as a unfamiliar vendor name or be mistaken for a recurring payment you overlooked.

Once you are certain the transaction is not yours, reach out to your bank or card issuer without delay. Most financial institutions offer round-the-clock security lines that you can reach using the phone number on the card’s rear surface. When you call, خرید ویزاکارت have your Visa card number and personal info ready and be prepared to explain the unauthorized transaction, including the date, sum, and merchant name. The bank will likely ask you to verify your identity and may suspend your card to block new charges.

After reporting the issue, your bank will commonly start an investigation. During this time, you will not financially accountable for the fraudulent charges as long as you report them without unnecessary delay. Under Visa’s unauthorized transaction safeguard, you are protected from unauthorized transactions as long as you inform your issuer in a reasonable timeframe and did not mishandle your card information.

While the investigation is active, your bank may send you a new interim card with a different account number. This ensures you can keep using your card without disruption. Do not neglect any further instructions from your bank, such as completing a dispute form or providing additional documentation.

To avoid future fraud, consider turning on transaction alerts through your bank’s digital banking platform. These alerts notify you via text or email every time a purchase is made, so you can spot suspicious activity right away. Also avoid sharing your card details over non-encrypted sites or with untrusted sources. Use strong passwords for your online banking accounts and avoid duplicating passwords across multiple accounts.

Finally, keep an eye on your statements every month, even if you hardly ever make purchases. Consistent review helps detect minor fraud early. If you ever have reason to believe your card was compromised, act immediately—timely reporting is the key to protecting your money and your economic safety.