Checked my (AIB) Visa bill last night and there was a transaction located in Vilnius 2 weeks ago for over €300.
Rang Visa and a very efficient woman entered a query on the transaction which they will investigate (she asked me all the daft questions you can imagine about whether the card was out of my sight over the last month etc.) and if it turns out to be genuinely mine I'll have to pay a fee of €3.90 (I think). In the meantime it will be taken off the bill and the resolution will take up to 30 days. Good customer service and I'm very happy.
Afterwards it did occur to me that it was surely surprising that I wasn't offered a new Visa account with different details. After all, somebody has my details and is clearly prepared to use them.
Has anybody else had this experience and were you offered a new account? Should I call them and get them to do so myself? Or have the banks given up on security and the only real protection you can have is to religiously check your statements (I must admit to being semi-delinquent in this regard...)?
Rang Visa and a very efficient woman entered a query on the transaction which they will investigate (she asked me all the daft questions you can imagine about whether the card was out of my sight over the last month etc.) and if it turns out to be genuinely mine I'll have to pay a fee of €3.90 (I think). In the meantime it will be taken off the bill and the resolution will take up to 30 days. Good customer service and I'm very happy.
Afterwards it did occur to me that it was surely surprising that I wasn't offered a new Visa account with different details. After all, somebody has my details and is clearly prepared to use them.
Has anybody else had this experience and were you offered a new account? Should I call them and get them to do so myself? Or have the banks given up on security and the only real protection you can have is to religiously check your statements (I must admit to being semi-delinquent in this regard...)?