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How to find out if the banks refund an online transaction if you want it refunded

How to find out if the banks refund an online transaction if you want it refunded
How to find out if the banks refund an online transaction if you want it refunded
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Part II This is a blog about online transaction information; what you need to know for your own benefit. This information will become handy someday. Not to be alarm but to be alert! There are certain guidelines banks follow if you are requesting a Refund for an online transaction.

 

If you have already purchased goods/services online and you realised something was not right;

 1) You should first look for “reverse payment” (example; find a lion; store has got a reverse payment button) button immediately.

2) If that is not available, contact the website via phone, instant chat link, or e-mail advising of the situation (most of the legitimate sites respond immediately in regard to an incorrect online transaction).

3) The third and final call should be made to your bank to put a stop payment on your credit card (on most occasions banks have fees for extra services. Alternatively, you can buy a platinum credit card, which allows stop payment among other extras, which the card includes).   

The Australian Banks are meant to refund if the following scenarios are adhered to during online purchases:

Duty of care

If you have not revealed your pin during any of your transactions, the only way the hackers get your pin is when they get to your computer. Your PC should have good anti-virus software installed. Bitdefender, Kaspersky & Panda is the top rated antivirus software that provides a multilevel protection to your PC (fully covered). These types of software monitor all the backlinks and side banner marketing sites that appear when you surf the Internet. Unlike the above mentioned antivirus, other cheaper antiviruses only cover basic firewall entry (not good enough!).

These cheap or free antiviruses can be installed if you don’t mind being hacked or robbed on line.  Simple steps in PS maintenance include:

  1. Enabling automatic updates,
  2. Enabling firewalls
  3. Viewing antivirus software reports about malware detected, which is the suspected antiviruses destroyed. In return, these will safeguard online ID & hard earned money.


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