Do you have a doubt about a payment made by credit card some time ago? Your balance is not what you had expected and you think there is an error? A merchant claims a sum from you when you remember paying it by credit card? For many reasons, you may need to look for a card payment. We explain how to do this.

View your account transaction history

First, it is worth checking the history of your financial transactions. They are all recorded on your account statements and you can consult them on your paper and digital documents. You can even search directly from your customer area via your bank's website or from the mobile application.

From your bank's website

By logging into your customer area, you can enter an indication in the search bar. It is possible to search for a transaction by date, amount, or payment type. In this case, you can type "CB" as well as a certain period.

Via your phone or tablet

The same search can be done from your mobile app. Simply download the app from the App Store or Google Play and log in. From the menu, select your map page, and then select the management page. It should then be possible to view the transaction history in which you can search for the credit card payment in question.

By doing additional research on the Internet

If the company name does not appear on the ticket, as often happens, you will need to do further web research. In this case, start by doing a search by date and look for the titles you don't recognize. Now you just have to search for this company on Google or any other search engine. Simply enter the label that appears on your credit card receipt. You will get information about the company in question such as its location or industry. You will then be able to remember the establishment you are looking for.

If your search is not successful, contact your bank and ask your advisor to do some research. If he agrees, which is not always the case, know that this service will certainly be charged to you.

Disputing a payment by credit card that has already been debited: is it possible and how to do it?

Do you notice a payment by credit card that seems fraudulent to you? Notify your bank immediately, you may be able to object, even if it was you who was the originator of this payment.

CB fraud: What are your rights if the fraudulent debit is proven?

First, you need to wait for your bank to confirm that you are a victim of fraud. If this is the case, your bank is obliged to reimburse you the full amount. The type of insurance contract you have taken out does not change this right and even without insurance, you must be reimbursed.

If this incident has caused an overdraft situation, your bank will also have to reimburse you for all the costs incurred (agios, payment incident fees, information letter, intervention commission, etc.).

In case of refusal, write to the mediator whose contact details you will find on your bank's website. If the latter persists in refusing any refund, take the matter to court.

7 tips to avoid having your credit card hacked

There are a few things you can do to help you avoid getting hacked:

Store your credit card: it is strongly recommended to place it in a wallet that must itself be stored on you or in a purse that you will keep nearby.
Do not leave your credit card tickets lying around: destroy them, fraudsters could use the information they contain.
Memorize your codes, do not write them down: if someone has stolen your credit card and your smartphone and your codes are written in them, the danger is great.
Shop on secure sites: If so, the URL will start with "HTTPS", with the final "s" standing for "secure".
Hide your credit card numbers: for example, you can erase the cryptogram, but this will not prevent fraud related to phishing or malware installation.
Don't let anyone see your code: When making a purchase or pickup, make sure no one is looking over your shoulder.
For online payments, choose virtual cards whose number is valid only once.

The whole point of doing your accounts and keeping your credit card tickets is to be able to notice the slightest error. If this is the case, notify your bank as soon as possible. You should be able to find your credit card payment quickly. And above all, don't forget to destroy your tickets afterward!

The case of fraudulent debit

You still have your credit card in your possession, but someone used your numbers to make a purchase? You are a victim of credit card fraud! Object as soon as possible and contact your advisor.

If you no longer have your bank card in your possession because it has been stolen, go and file a complaint with the police (gendarmerie or police). If you have lost it and you see a suspicious payment a few days later, go file a complaint as well.

The case of authorized flow

You may also want to dispute a payment that you have made, but whose amount does not seem to correspond to the value of your purchase. You may find yourself in this situation if you give your card numbers to an organization for a reservation and the final payment is surprisingly important. It should be noted that the law authorizes (Article L133-25) the contestation of payment if:

you did not know the exact amount of the purchase in advance;
The final amount exceeds what you could "reasonably expect".

These two conditions must be met and this dispute must be made within 8 weeks after the day of the debit. The bank must refund the full amount within 10 days. Otherwise, it must justify its refusal.

If a merchant has made an input error on the payment terminal and you have not seen it, you will have to settle this amicably with it in the hope that it is in good faith. Your bank may say that the problem is contractual, but not the result of a serious offence. It may therefore refuse to reimburse you.

What is the legal deadline to dispute a payment?

According to Article L133-24, in the event of an unauthorized or poorly executed transaction, you must report the incident to your bank within 13 months of the date of payment, unless the merchant has not given you a ticket.

If the payment was made outside the European Economic Area, the period is reduced to 70 days. It can possibly be extended to 120 days on a contractual basis.