2 nights ago I was asleep and my credit card was charged a large amount of over $1500. I woke up the next morning to find the sms on my phone that indicated this.
It was a bit worrying to say the least. However, there were also messages from the bank that said these charges were reversed.
I also saw some missed calls from the bank's number late into the night which was probably to confirm if I made this transaction myself or not. Since I didn't pick the call and confirm/deny, they went ahead and reversed these charges.
So, in the morning I called up the customer care, worried if my credit limit was impact by this and after a brief chat I was relieved to find that they have indeed reversed these charges and I'm okay.
However, it was a bit alarming. I'm very careful with my transactions online or offline generally speaking. I've used the same credit card at point of sale machines in over 15 countries at the very least and never have I faced this issue.
I can't imagine people who've been defrauded like this and have lost their money for good. My card is currently blocked by the bank and I found this out unexpectedly as I was told my card is fine and I can transact again. Fortunately it should be working again in a day or two.
Whether you are in India or not, credit card fraud is common in many parts of the world. Banks have improved their security measures and I'm glad in this case HDFC Bank's system took care of this attempt to defraud me of my money.
It sucks to be robbed.
Have you ever faced any incident like this ever? What measures did you take to fix the situation or get your money back if it was stolen for good?
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