As soon as you make a closing notice, the responsibility for the payment card is transferred to the bank and we will close your card immediately. Do this even if your phone is lost and you have Pivo, Apple Pay, or Google Pay to which you have added this payment card. This way, you won’t lose your money if someone uses your card without permission.
Unidentified credit or debit card transactions
File a complaint (a correction request) immediately, if you find that your bank statement or credit card bill has card transactions or transfers from your credit facility that you don’t recognise. If your card or card information is stolen, also file a police report.
Please note that car rentals have the right to charge for unpaid refuelling, road tolls and fines afterwards. Hotels also have the right to charge a no-show fee for an unused or non-cancelled booking in accordance with the terms and conditions of booking as well as any unpaid minibar purchases afterwards.
Credit card charges in breaches of contract
You have the right to reclaim purchases made using your card’s credit feature if you have not received the service or product you paid for due to a breach of contract by the seller.
Examples of breaches of contract:
- You have not received the products or service you have paid for.
- A transaction has been charged twice.
- The product or service does not comply with the contract.
Alway try to address the the matter with the seller first, because you are obligated to prove the seller's breach of contract. File a complaint with the creditor (OP) immediately as soon as the seller’s breach of contract is obvious. Your complaint must include detailed information about the incident. If all requested information and attachments have not been delivered, the processing of the complaint may be delayed or prevented.
If the goods or services have been purchased from a private person, the Consumer Protection Act does not apply to the transaction. In transactions between private persons, there is therefore no right of complaint against the bank. A good or service is considered purchased from a private person also when it has been purchased from a company-maintained marketplace or other similar service where the sale takes place between private persons.
Reclaiming payment card charges in the event of bankruptcy
You are entitled to a refund on purchases made using your card’s credit feature if you have not received the service or product you paid for due to the seller’s bankruptcy.
You can also reclaim purchases made using your card’s debit feature if you are not refunded by the bankruptcy estate or another third party. In this case, we will investigate whether you are entitled to a refund from the seller’s bank under Visa’s international rules.