Unknown charges on your credit card? Get your money back
Payments you never made are appearing on your credit card statement? In cases of card misuse you are usually well protected: the bank must refund unauthorized charges. What matters is acting immediately.
Reach your next steps and the matching ready-made texts in just a few minutes, free of charge:
Demand a refund →Your chances of getting your money back
What you should do now
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1. Block the card immediately
Call the blocking hotline 116 116 and have the card blocked.
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2. Object to the charges
Object to the unauthorized transactions in writing to the bank and demand a refund.
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3. File a police report
File a report with the police; this supports your claim.
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4. Meet the deadlines
Check your statements regularly and dispute promptly; observe complaint deadlines.
Frequently asked questions
Do I get my money back in cases of credit card misuse?
As a rule, yes. For unauthorized payments the bank must refund the amount without delay (§ 675u BGB). Your liability is generally limited to 50 euros (§ 675v BGB), provided no gross negligence or intent can be attributed to you. Block the card immediately and object to the charges.
What must I do right away?
Have the card blocked immediately via the blocking hotline 116 116, object to the unauthorized charges in writing to your bank, and file a report with the police. Check your statements regularly and dispute incorrect charges promptly to keep within the deadlines.
Take action now
We put together the ready-made texts and the right places to contact for you.
General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.