Quite often, Tinkoff Bank clients are faced with a situation where they need to restore access to a credit card. How long does the recovery procedure take, is there a fee for unblocking the account, and what to do if the credit card disappears from the owner’s wallet?

When are cards restored?

Official site.

The Tinkoff credit card has a validity period of 36 months; at the end of this period, the plastic card is replaced free of charge with a new one.

Actions in case of card loss.

However, it is possible to restore the means of payment earlier than the specified period in the following cases:

1. The credit card was stolen from the owner or the card was lost.
2. The PIN code for the payment instrument was forgotten, the password was entered incorrectly 3 times in a row.
3. The card is broken, the magnetic strip on it has become demagnetized, and the chip is damaged.

When a credit card is replaced at the client’s initiative, a commission of 290 rubles is debited from the account. The client is informed of how much the service costs before it is performed.

Advice! If the borrower does not have the card in hand, it should be blocked immediately.

Account blocking methods

As soon as the cardholder realizes that the credit card has disappeared and could have fallen into the hands of criminals, the account should be frozen. Until the theft or loss is reported, all financial transactions with the account will be considered the actions of the borrower; stolen funds cannot be returned.

You can block a card in 3 ways:

1. Call a support employee on the hotline (8-800-555-10-10). First, the client is identified: personal information and a code word are checked. Next, the manager accepts the client’s request and blocks the account.
2. In your personal account, after authorization on the official website or through the mobile application, you should select the “Accounts” section, where you need to find the desired card and click the “Block” button.
3. If the SMS banking option is activated, blocking is carried out by sending a message to number 2222. The SMS must contain the word “blocking” and the last 4 digits of the banking product number. This method of freezing an account can be carried out by charging a fee for sending SMS according to the tariff plan of the mobile service provider. You can find out how much the message will cost from your telecom operator.

When a card is blocked, it is impossible to regain access to it; a new means of payment must be issued. The exception is when the client blocks the card for personal reasons, and not due to loss of access to it.

Important! Along with blocking the card, it is better to disable connected paid options.

Issue of a new card

To continue cooperation with the bank, the client should submit an application for reissue of the payment instrument. This is done as follows:

1. Submitting an application by telephone to the bank.
2. Request a call back from the manager via the company website.
3. Initiating the issuance of a credit card through your personal account.

The credit card will be delivered to the borrower within 14 days, the revolving credit limit and lending conditions will be the same as before.

Activation on the website tinkoff.ru.

Afterwards, the newly received payment instrument must be activated.

Panic is the first reaction of a person who does not know what to do if he has lost his Tinkoff credit card. It’s bad when a card with personal money disappears; it’s even worse when it’s a credit card.

People begin to get nervous when they realize that they may not have discovered the loss right away, and that some time has passed since the disappearance. Knowledge is the main weapon of any person and there is no need to be nervous, you should not panic, you need to clearly know what to do if you have lost your Tinkoff credit card.

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You need to remember the algorithm of simple actions that will help any bank client secure their finances and avoid large losses and associated emotional turmoil.

What to do if you lose your Tinkoff Bank card

• the card is lost;
• she was stolen.

In the first case, everything is not so bad. It could have fallen out somewhere and the likelihood that scammers will find it and use it is small. In the second case, there is a greater chance that scammers will use the money of a Tinkoff client. For this reason, the issue of financial safety becomes important and it is necessary to immediately protect money and take active action.

What can happen to a lost (stolen) card?

The scenario, one might say, is classic - especially if a person ignores the bank’s advice and stores the PIN code next to the card, or worse, records important information directly on it. Fraudsters or passers-by who discover it will have no difficulty withdrawing money from the nearest ATM or using plastic in a store. And in the case of contactless technology, a PIN code is not needed at all.

You should not be naive and believe that a fraudster’s ignorance of the PIN code will save a person from possible financial losses. There are services available online that allow you to use cards without the need to use a PIN code. To do this, it is enough to use the data that is on the plastic - the owner’s name, the security code on the back, the number and expiration date.

Many self-respecting organizations do not allow such operations to be carried out without an SMS message with a code confirming payment. But online stores that do not implement such security measures are considered an ideal platform for scammers.

Actions of a bank client in case of loss

First of all, you need to contact the bank to block the card. This needs to be done quickly so that attackers do not have time or chances to take advantage of it. It is necessary to carefully check bags, clothing, stores or places where the person was previously once again to make sure that it is really lost.

To block you need:

• contact a Tinkoff representative by phone number;
• block a credit card using your personal account;
• block using a mobile application.

After this, you should create an application for re-issuance of the card. A new one is usually sent to the client a few days after the application is received. As with the previous one, you will need to carry out the activation procedure.

Bank clients who are confident that their plastic has fallen into the hands of criminals can contact the police with a corresponding statement. It happens that over time lost cards are found, but they can no longer be used. The client will not be able to reactivate the blocked card, and there is no point in storing it in the future.

What to do if money is withdrawn

By the time the client discovers the loss, scammers sometimes manage to withdraw money. In this case, you still need to block the plastic. To get a refund, write a statement about the refusal of the transaction. It is important to immediately contact a Tinkoff employee and tell about what happened. The operator will tell you about the possibility of challenging the procedure and possible steps to return the funds.

Consideration of an application to refuse a transaction takes several weeks or several months. The system to which the card is linked is also involved in the consideration of the issue; it can be VISA or MasterCard. Tinkoff clients should be patient and not exclude the possibility that the money withdrawn by scammers will not be returned to their account.

By the way, a case with one of my friends. In Bali, someone spied on his card details and withdrew about 5 thousand rubles. An acquaintance, a loyal Tinkoff client, immediately contacted the bank and blocked the card. A month later, the transaction was declared invalid, the money was returned and he received a new card directly in Bali. This is a reliable service!

Fraudsters are often caught in transactions such as paying for your mobile phone using a card or for services that are assigned to a specific address.

Not all Tinkoff credit card holders know how to restore their credit card in case of unforeseen circumstances. However, such knowledge can be very useful to anyone who is served by Tinkoff Bank.

When do you need to restore your card?

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The Tinkoff plastic card is valid for 3 years and is automatically reissued with regular use. In normal situations, people don't have to decide how to re-release it. But in some cases, you may need to order a reissue of the credit card yourself. When this need arises:

• if the card is lost or stolen;
• if the client has forgotten the PIN code;
• if the card is demagnetized;
• if for some reason the plastic is damaged (bent, wrinkled, etc.).

If your card is lost or stolen, the first thing you should do is block it. This is done in order to prevent possible fraudulent transactions with it. Blocking can be done in several ways:

1. By phone. In Russia, call the call center 8 800 555 10 10 and provide your passport details and code word to the operator. Calls from other countries can be made by calling +7 495 648 11 11 (the call will be charged).
2. Using Internet banking. To do this, you need to go to the bank’s website in your personal account, select the “Accounts” column there, then “Credit cards”. After this, you need to select which card should be blocked, and in the “Service Management” column, click “Block Card”.
3. By SMS. To do this, send a message from your phone to the short number 2273 in the following format: “Block 2222”, where 2222 is the last digits of the card number.

If the client cannot find his card, he should make sure that he really lost it before blocking it, since the bank does not unblock or restore cards in such cases, and the credit card will have to be reissued.

Important! Until the card owner notifies the bank about its theft or loss, he, and not the bank, bears full responsibility for transactions performed on it.

How can I reissue a credit card?

If you have a problem with your credit card, don’t be upset, because all Tinkoff cards are renewable and can be restored.

However, it should be borne in mind that the re-issuance of the card, carried out at the initiative of its holder, is paid. Therefore, when ordering the production of new plastic, it is advisable to immediately clarify how much it will cost.

There are several ways to order a credit card reissue.

Call the Tinkoff hotline

To do this, you need to call 8 800 555 77 78 and inform the employee of your intention to reissue the card. The operator will draw up an appropriate application after the client identification procedure (requesting passport information and a code word), and will also clarify how it is more convenient to obtain a new card.

Internet banking

The reissue fee will be debited from the main card account.

What should Tinkoff credit card holders consider?

The theft of a credit card or its unworthiness does not relieve the owner from obligations to the bank. Therefore, if suddenly the card holder forgot the PIN code or lost the card, you should remember about the payments that he must make. And even if he decides not to restore the card, but simply block it, the debt can be repaid by transferring funds to a credit account.