Have you received a call from Visa about charges? If so, it’s important to understand what this means and what steps you need to take. In this article, we’ll explore the different types of charges you may receive a call about, how to verify the legitimacy of the call, and what to do if you suspect fraud.
Understanding the Types of Charges
Visa charges can come in many forms, including but not limited to:
- International transaction fees
- Currency conversion fees
- Overdraft fees
- Late payment fees
- Annual fees
If you receive a call from Visa about charges, it’s important to review your recent transactions and account statements to understand the reason behind the charge. This will help you determine whether the charge is legitimate or not.
Verifying the Legitimacy of the Call
Before providing any personal information or taking any action in response to a call from Visa about charges, it’s important to verify the legitimacy of the call. Here are some steps you can take:
- Ask for the caller’s name, department, and phone number
- Look up the phone number provided to ensure it matches the official Visa customer service number
- Call the official Visa customer service number and ask if they have any record of the call
- Never provide personal information, such as your social security number or account number, over the phone unless you have verified the legitimacy of the call
Suspecting Fraudulent Activity
If you suspect that the call from Visa about charges is fraudulent, take the following steps:
- Hang up immediately
- Call the official Visa customer service number and report the incident
- Review your recent transactions and account statements for any suspicious activity
- Consider placing a fraud alert on your credit report
- File a report with the Federal Trade Commission (FTC) at ftc.gov/complaint
Protecting Yourself from Fraudulent Calls
To protect yourself from fraudulent calls, consider taking the following precautions:
- Never provide personal information over the phone unless you have verified the legitimacy of the call
- Use a secure password on all of your accounts
- Review your account statements regularly for any suspicious activity
- Consider signing up for fraud alerts through your bank or credit card company
Conclusion
Receiving a call from Visa about charges can be stressful, but by understanding the types of charges you may encounter, verifying the legitimacy of the call, and taking action if you suspect fraud, you can protect yourself and your finances. Remember to always be cautious when providing personal information over the phone and to review your account statements regularly for any suspicious activity.
