Freeze, Reissue and Dispute Credit Card Fraud

    Most issuers must reverse unauthorised card charges if reported promptly.

    What to do

      • Call the number on the back of the card (or in the official app) and report fraud
      • Ask the issuer to freeze the card immediately and reissue a new card and number
      • Dispute every unauthorised charge — Visa/Mastercard codes 10.4 (fraud) or 13.x (services not provided)
      • If a UK credit card and any single charge is over £100, also cite Section 75
      • Get a fraud case reference and ask for a provisional credit while they investigate

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