Written in MONEY he
Las Credit cards They have multiple benefits such as being able to buy things when you need them, however, if you do not use it properly, it might be blocked. BBVA and in general banks frequently place blocks on cards to discourage fraudulent activities. The bank has no way of determining who is using the card, so the bank blocks to investigate.
One of the reasons for the blocking is that you cannot always remember the passwords or keys that you put in your Bank cardsaccounts of email, social media profiles, public bodies, etc. It is important that you know that if it happens to you, and your card If you have forgotten your password, you must call the bank immediately upon receiving the generated message so that they can lift the blockade. The bank may give you a new code to use when you log in to restore account accessibility.
Reasons why BBVA might block your debit card:
1.- Unusual payments:
Some banking institutions, such as BBVAare aware of the management that their clients give to their debit card. When they see an unusual payment from a customer, they proceed to lock card until verifying that indeed the client is the one who is making use of it, and thus avoid risks such as card cloning.
2.- International payments:
When you travel out of the country, it is important to notify your banco a few days in advance, to activate the cards to be used abroad, so you don’t get surprises when making payments.
3.- Improper use:
Las cards they are personal. You should not lend them or share the keys with anyone.
4.- When you spend more than you have:
if you use your debit card and it turns out that there is no more money in your account, you may not be able to use it, unless you have requested the overdraft service so that the bank will accept the transaction even if you do not have sufficient funds. Be careful because overdraft fees can be very high and are not justified.
What happens to my money from a locked card?
A case of blocking can also occur when you swipe your card more than twice in a terminal that rejects your payment or when they mistakenly enter more than three times your CVV code in an online store. To avoid a possible unrecognized chargethe bank deactivates the plastic until you contact them and verify that you recognize the movements.
If within the application it is indicated that the card has been blocked, you should know that the accumulated balance is available, since the blocking only applies to the medium, not to the account. This means that you still have the opportunity to transfer money or request cardless withdrawals
If you use the money urgently, you will have to transfer it to another account or withdraw it at an ATM. On the contrary, you will only have to call the bank to have the plastic unlocked, a request that takes no more than an hour to apply.
If you requested the blocking of the card due to theft or lossyour money will be safe but you will have to cover the commission for card replacement, plus any shipping costs that may apply.
