Credit card billing: you should pay attention to this

In this article, we show you what you should pay attention to when you pay for your credit card. Because paying with a credit card is so easy, it is practical in many situations. Your finances remain clear at all times thanks to credit card billing.

Credit card billing: you should pay attention to this

Since your credit card statement contains all the sales made with the card, it is wonderfully suited to keeping an eye on your finances. Among other things, you can also recognize credit card misuse.

• Check all expenses carefully. Can you assign each statement to a specific issue or is something inconsistent?
• Be thorough and look at even small amounts. Credit card fraudsters usually debit small amounts in order to remain less noticeable.
• Keep a record of your expenses and keep your credit card statements. So you can track expenses later and keep an eye on your sales.
• If you notice any noticeable charges, you should act quickly. Contact your bank and get help.

Credit card billing: what to do in the case of noticeable debits

If you haven't authorized debits on your statement, there are a few things you can do to protect yourself from fraud.

• If it's a one-time charge, it could still be a bad charge. Contact your bank for more details and to claim the charge.
• If there are regular debits and the amount is high, you should have your card blocked. You can do this at your bank or through the card provider (Visa, Mastercard).
• Payments that have not been authorized by you and that indicate abuse of the credit card can be reversed.

Credit card statement: Which payments can be reversed?

Transactions that you have not made yourself can be reversed. However, two conditions must be met for this.

• Payment must indicate misuse of the card. So it must be plausible that the debit is very unusual and was made, for example, by an unknown bank from abroad.
• You must not have caused the abuse through violation of your duty of care. So if you have left your credit card somewhere, the payment cannot be reversed.