Citizen insecurity is high in our country, being cell phones -with applications of your banco many times downloaded- or wallets -with credit cards- some of the most valuable belongings that are stolen. Given this, it is crucial that you know how to act in this kind of situation, since the first minutes after the theft are key to avoiding being a victim of fraud.
In 2022, according to the study “Panorama of the Peruvian financial system and access to credit cards”, carried out by Experian, more than 40% of banked Peruvians had been using their credit card as the main means of payment due to the low availability of cash .
Within this framework, the Peruvian Association of Insurance Companies (APESEG) highlights the need to take into account some tips to avoid being a victim of fraud and also the importance of taking out Card Protection Insurance, which will allow you to deal with these situations. with the assurance that you will not lose your money.
What recommendations to follow if your wallet is stolen with your credit cards or your cell phone?
- Buy in safe places. If you buy online, make sure that the website has security certificates.
- Do not lose sight of your credit or debit card when paying, regarding the latter, do not allow third parties to know your secret code.
- Frequently check the movements of your card.
- If you are a victim of the theft of your cell phone, block it immediately.
- If you had your bank’s applications downloaded to your cell phone, contact your bank immediately to block your cards. Look up their number on the website, call the telephone bank, block your card through the APP or go to the nearest office.
- Keep online purchases, purchases abroad and withdrawal of cash from the website or applications deactivated and only activate them when you are going to carry out an operation.
What coverage does card insurance provide?
- Improper use of the card due to robbery, theft, cloning or kidnapping.
- Fraudulent purchases in commercial premises and on the Internet.
- Coverage for accidental death as a result of the theft of your credit cards or kidnapping for that purpose.
- Compensation for hospitalization expenses derived from the theft of your credit cards or kidnapping for that purpose.
- Reimbursement of expenses for duplicating documents (such as ID, passport, license, among others).
