Losing access to the bank card because it has been retained by a multi -gun case is a frustrating but relatively common situation. Knowing what to do can avoid further complications and ensure the security of your bank details.
Why can the card be retained?
According to the Comparajá website, a ATM box (ATM) can retain the card for different reasons. The incorrect introduction of PIN three times in a row triggers automatic security lock. Retention may also occur if the card is expired or has been canceled by the bank.
According to the same source, there are also situations of TMJ technical failure, notably if the card reader is defective.
In addition, if the user exceeds the time limit to remove the card after an operation, the terminal automatically collects it. In case of suspicion of fraud, the bank may order the card retention as a precaution measure.
Immediate steps below
According to comparison, the first step is to wait a few minutes. It may be a momentary delay in the return of the card.
If not returned, make sure the ATM has posted a customer support number. If it is within opening hours, call immediately.
If you can’t resolve, contact your bank’s support service. The card can be blocked to avoid improper use. The bank will indicate if it is possible to recover it or will be replaced.
What if the ATM is from another banking institution?
If the card has been retained in an ATM of a different bank, it is more likely to be destroyed for security reasons. In these cases, it is necessary to request a new card with the issuing bank.
Can you raise the card at a bank branch?
If the ATM box belongs to an agency and it is open, you can try to recover the card immediately. Some institutions have procedures for returning cards retained in their internal terminals.
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How long does the replacement take?
The issuance of a new card may take between five to ten business days, according to the bank. Some institutions have an urgent service upon payment of an additional fee.
Can you continue to make payments without card?
If you have the card associated with a digital wallet like MB Way, Apple Pay or Google Pay, you can continue to make payments with your mobile phone until you receive the new card.
How to prevent the card from being swallowed in the future?
It recommends regularly check the card validity and avoid introducing the PIN three times incorrectly. In addition, you should remove the card immediately after the operation is completed.
If possible, prefer to use bank boxes during office hours. If a problem arises, you can get help immediately.
When preventing it is really better than remedy
Knowing how to act when the card is retained by a crowd can save time, money and avoid risky situations.
Quick contact with the bank is essential to ensure account security and start the replacement process if necessary.
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