Today, most people have a credit card and use it regularly to make certain purchases, payments, etc. However, it is extremely important that they are related to the forms of fraud and/or fraud that can occur with the cards, whether their purchases are online or in person. According to a reliable Virginia credit card fraud lawyer, having the information at hand will allow you to react quickly and know how to act to avoid being the victim of losses.
A highly recommended habit that will allow you to be aware of your card and react quickly in case of fraud or forgery is constantly checking your account status because you can automatically detect an expense that you did not make.
In the Commonwealth of Virginia, the credit and debit card fraud laws are potentially harsh. As per §18.2-195. et. seq., credit card fraud is penalized as class 1 misdemeanor when the fraud is below $200 in a period of six months; otherwise, it would be class 6 felony. Taking into account the severity of the crime, it is crucial to hire an aggressive Virginia credit card fraud lawyer in order to defend your rights if you are accused of credit card fraud charges.
In the case of online transactions, always make them through secure connections and reliable pages. In the case of physical transactions, do not give your card to anyone, use wireless POS and do not lose sight of it.
WHAT TO DO IF IT HAPPENS
You must immediately contact your bank to notify about the expense that was not made by you. In case you steal your card, you must notify it immediately to cancel it on time.
Finally, something that you must take into account is that most financial institutions offer you the possibility of purchasing insurance, which protects you from this type of misfortune. The payment is made monthly or even annually, and you can protect your finances. The ideal is that you evaluate the possibility according to your income, says an experienced Virginia credit card fraud lawyer. Remember that new cards appear every month, some with more benefits than others.
According to a well-versed Virginia credit card fraud lawyer, to avoid any type of credit card fraud, take into account the following points:
- You can add protection locks to your email or try not to open emails from unknown senders
- If an email arrives from the bank, remember that for no reason provide the financial institutions your personal data by any means and do not answer any form
- Do not download programs of unknown origin to your PC or cell phone
- Always try to keep in view the terminal where you are paying for a service, especially if it is a small business
- Before answering a form or giving information via cell phone or email, call your bank and ask for the promotion or information they are offering you
- For greater security, you can shield your credit card