My bank card has been charged

What to do within the hour, and what the law guarantees you.

right away9 steps in total

Tick as you go, it stays on your device, even if you close the tab.

RIGHT NOW5 min

Freeze the card from your bank’s app.Faster than calling, and reversible: if the charge turns out to be legitimate you unfreeze it in one tap.Write down the exact amount, date and description.That is exactly what the bank will ask for, and what goes into the dispute form.Review the last thirty days.A test charge under a euro almost always comes before the big one. If you find it, say so: it dates the fraud.

WITHIN THE HOUR20 min

File the formal stop order and keep the reference.Freezing in the app is not a formal stop order. Call the number on the back of the card, and note the case number.Report the fraud on Perceval (France).Official service of the French Interior Ministry, accessible via FranceConnect. The receipt is proof for your bank.Perceval, report Change the password of the merchant site involved.And of every account sharing that password. That is often how the number leaked.

THIS EVENING30 min

Remove your saved card from merchant sites.Amazon, delivery apps, the club shop: every saved card is one more copy out there.Turn on your bank’s virtual card for online purchases.A different number per merchant, capped, disposable. Most banks offer it at no extra cost.Turn on two-factor authentication for your mailbox.The mailbox is what resets everything else, including bank access.

In the book : ch. 10 · p. 164

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