About this iReport
  • Not verified by CNN

  • Click to view bailey2122's profile
    Posted July 16, 2014 by

    More from bailey2122

    Visa Security Sense: Get Help Now


    Lost or Stolen Card

    ·         If your card is lost or stolen, call your issuer – the bank that issued your card – as soon as possible.

    ·         Keep an eye on your statements and look for any suspicious activity. Report them to your issuer.

    ·         If you need further help, call Visa Global Customer Assistance Services toll-free within the United States at 1-800-847-2911 or call 1-410-581-9994. From outside the U.S., please click here for a full listing of local numbers.


    Data Compromises

    ·         If you received a letter from a merchant or other business that your card information may have been stolen or accessed from their systems by a hacker or criminal, keep in mind that most stolen data is never actually used for fraudulent charges.

    ·         Issuers and Visa monitor transactions for fraud and work to decline them before they happen.

    ·         Visa’s zero liability policy protects cardholders if fraudulent Visa transactions do occur.

    ·         Keep an eye on your statements and look for any suspicious activity. Report them to your issuer.


    Identity Theft

    ·         If you believe you may be a victim of identity theft where someone has opened an account or obtained credit in your name, contact Call for Action at 1-866-ID-HOTLINE or visit www.callforaction.org. for free confidential assistance.

    Here are some steps to help restore your identity:

    ·         Minimize impact. Contact each of the three credit agencies (www.equifax.com; www.experian.com; www.transunion.com) to place a fraud alert on your credit report.

    ·         Contact local police. File a police report for every locale where the fraud has occurred.

    ·         Contact creditors on fraudulent accounts. If new accounts have been opened in your name, you'll need to contact each creditor by phone and in writing.

    ·         Contact existing creditors. Contact your financial institution immediately.

    Deceptive Marketing Practices

    ·         If you discover charges on your card statement that you don’t remember authorizing, you may have been a victim of deceptive marketing practices.

    ·         Try to resolve the issue with the merchant directly.

    ·         If you’re not able to get help from the merchant, contact your issuer to dispute the charge.

    ·         Report your experience to the Federal Trade Commission at www.ftc.gov/complaint or Better Business Bureau at www.bbb.org.

    Add your Story Add your Story