![]() If you were responsible for the transaction or authorised someone else to use your card, your card provide won't refund you anything. For your credit card, it can take longer, but you don’t have to pay the charge while it’s under investigation. Debit card issuers should investigate the charges (generally within 10 business days) and take action quickly (generally within 3 business days). Once reported to AIB as lost or stolen, your card details will be automatically updated and you can continue to use Google Pay on your device whilst your new. If your credit card provider thinks you're responsible for the transaction or that you've authorised someone else to buy the item using your card, then it needs to prove this - you don't need to prove you weren't responsible. Submit a complaint if you have an issue with your bank or card provider’s response. In practice, many banks waive this £50 contribution so it's worth checking the terms and conditions or checking with your provider to see if you have to pay. ![]() If you don't realise for a number of days that your card has been lost or stolen, you should still be able to get your money back.Īlthough, you could be liable for the first £50 of any sum spent on your credit card before you reported it stolen. Your card provider should always refund you in full for any transactions that take place after you've reported your card missing. If you’ve had your credit card stolen or discover that you’ve lost it, you should report it missing straight away as it could affect where you stand legally if the card is subsequently used by a thief.
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