Credit/Debit Card Disputes & Protection
In all European countries the law protects you when you use your credit or debit card to pay for purchases whether electronically, by phone, by mail or in the store.
The local law should allow you to challenge a billing error (whether for an incorrect amount or for an item you didn’t purchase) without paying the charge during the disputed period. To maximize your protection, you should write to the creditor at the address indicated on the monthly statement for billing inquiries. We recommend that you include your name, address and credit card number, and describe the billing error with a copy of your statement. It is recommended that your letter should be sent to the credit card company as soon as you receive the first bill containing the error and that this is done by registered mail. Please ensure that you keep a copy of your correspondence, for your records. In good practice, even if not stipulated by national law, the creditor should acknowledge your complaint in writing within 30 days of receipt, unless the problem has been resolved meanwhile.
Under national law, your liability for unauthorized use of your debit card is defined with your bank or card provider, depending on when you report the loss or theft.
Make sure you are informed and aware of these provisions and rules, when using your debit or credit cards. To be certain of your rights, ask your bank about its liability limits.
