Фото: 123RF/legion-media.ru
Банки редко закрывают счета, даже если ими долго не пользуются, что может привести к проблемам. Автор Дзен-канала «Юридические тонкости» рассказал, какие карты лучше закрывать сразу.
Кредитная карта с погашенным кредитом. Погашение кредита не закрывает карту. Она продолжает обслуживаться, и банк может взимать комиссии за услуги, подключенные к ней. Лучше закрывать такие карты своевременно.
Зарплатная карта после увольнения. Если не закрыть ее, можно стать должником банка, так как расходы по обслуживанию могут перейти на бывшего работника согласно договору между банком и работодателем.
Карта, попавшая в чужие руки. Сейчас для оплаты в интернете не нужен ПИН — достаточно знать номер, срок и трехзначный код. Если карта была у посторонних (например, у кассира или официанта), есть риск мошенничества.
Разумеется, в случае утери карты, ее также надо закрыть. Мошенники готовы дорого заплатить за нее, чтобы переводить деньги на свои счета. Владелец карты рискует быть привлеченным к ответственности и обязан вернуть украденные средства, так как по закону он считается получателем всех поступлений до уведомления банка и закрытия счета.
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