Visa的零责任政策 

自信购物

Visa的零责任政策, cardholders can shop with peace of mind knowing that they won’t be held responsible for unauthorized transactions – whether online, 在商店里, 或者通过移动设备*.

它是如何工作的 

购物无忧. 使用Visa信用卡或借记卡购物.

立即报告可疑指控. Review your monthly statement and immediately report any unauthorized charges to Arbor Financial Credit Union at 269.375.6702 or 800.442.7340.

快速解决问题. Once an unauthorized transaction that is covered by Visa’s Zero Liability Policy is reported, Arbor Financial will investigate so you can have the issue corrected in a timely manner.

重要的笔记

Visa的零责任政策 requires issuers to replace funds taken from your account as the result of an unauthorized credit or debit card transaction within five business days of notification. Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa.
 
If you experience unauthorized transactions, notify Arbor Financial Credit Union at 269.375.6702 or 800.442.7340年立即. Replacement funds are provided on a provisional basis and may be withheld, 延迟, 有限的, 或因重大过失或欺诈被发行人撤销, 报告未授权使用的延迟, 对索赔的调查和核实, 并说明立场和历史.
 
The transaction-at-issue must be posted to your account before replacement funds may be issued. 具体限制, 限制和其他细节, 请咨询Arbor金融信用合作社.

防止持卡人诈骗贴士

DO:

• 定期检查网上网赌最好最大平台，核实交易活动.
• Review statements as soon as they arrive and notify your financial institution of any suspicious entries.
• 注册提醒来帮助你掌握你的购买情况.
• Notify your financial institution immediately if there are unauthorized transactions on the account or the card is lost or stolen.
• 一定要时刻知道你的卡在哪里.
• Take reasonable steps to protect your card from loss, theft, or unauthorized use.
• 不要把你的信用卡账号告诉别人.
• Keep the card in sight during a transaction and protect the card during use, particularly at ATMs.
• 联系 your financial institution if a new or replacement card does not arrive within a reasonable time or the packaging has been tampered with.
• When you receive your card, immediately sign the signature panel.
• Provide your financial institution with up-to-date contact details.
• 保持语句, 收据, 还有其他的财务信息放在安全的地方, 是时候摧毁他们了, 使用碎纸机.

别:

• 请将密码与卡片放在一起或卡片附近.
• Use PINs that can be easily guessed, such as your date of birth.
• Disclose your PIN to other people including friends, family, and financial institution employees.
• Share your card or your card details with anyone including your family and friends.
• 在自动取款机或商店留下收据.
• Wait to report suspected fraudulent transactions – inform your financial institution as soon as possible.