Credit card fraud costs hundreds of millions of dollars every year.

Most often, the victims are fortunately not out of their pocket, provided they have reacted quickly enough.

In what situation should you file an opposition?

In addition to the obvious case of the theft of credit card or at least its codes, you should not hesitate to oppose your bank card when you think you have lost it and you have not found it despite a thorough search of your home. To do this, contact the service dedicated to oppositions, the telephone number of which appears on your contract and on your bank's website. Otherwise, you can call the interbank server on 0 892 705 705 (paid call), open 7 days a week. The procedure will then be confirmed by registered letter with acknowledgment of receipt. Depending on the bank, it can be free or paid (between 7 and 20 euros billed in general).

In a different register, the only other authorized reason for opposing his card is to block a transaction intended for a beneficiary placed in receivership or liquidation.

How quickly do you have to act?

The law gives you up to 13 months to have the fraud recognized after the debit date.

Beyond that, the operations carried out will not be taken into account.

In practice, this long period is intended more for customers whose bank details have been hacked but who still have their credit card in their possession, and who may take time to notice the existence of payments that they do not have. have never done.

Conversely, in the event of loss or theft, it is better not to delay in filing an objection.

In any case, if your request is not made quickly enough, your bank may refuse to reimburse you, citing your negligence.

Should we also file a complaint?

While many banking agencies require it, they do not have the right to do so.

The law specifies that individuals do not need to file a complaint to benefit from the reimbursement of fraudulent payments made with their card.

In the event of proven theft, it is on the other hand a civic act which helps to fight against fraud.

Thanks to the online Perceval teleservice, you can report fraud directly on the Internet, when you are still in possession of your credit card and have objected to it.

What are the consequences of opposition?

This procedure irreversibly blocks your credit card. If you find it after having made a opposition, you will therefore still have to order a new card and a new confidential code. After having specified to your bank the amount of the last payment made, the latter will also have to reimburse you directly for any subsequent fraudulent debits and cancel the charges if this situation has put you in overdraft. In practice, however, it often takes a month for the account to be credited.

In addition, if the criminal has used your confidential code, a deductible of 50 euros will remain at your expense.

However, it does not apply when the theft could not be detected before the fraudulent use of the card.

The only way for the banking establishment to escape its liability is to prove that you have committed serious negligence.

This is particularly the case if you wrote down your secret code on a piece of paper or forgot to put your signature on the back of your card.


If your bank is reluctant to reimburse you, remind it of its legal obligation, before going to the banking mediator.

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Additional insurance

Most banks offer their customers to take out "means of payment insurance", which offers a guarantee against the loss, theft and fraudulent use of a bank card, a checkbook or even bank papers. identity.

This coverage is often already included in the package formulas, at a cost ranging from 20 to 40 euros per year.

Given the legal protection already provided in this area, this insurance is considered unnecessary and costly by consumer associations.

In the case of bank card fraud, the only real gain for the customer is in fact limited to the reimbursement of the deductible of 50 euros applicable in the event of use of the confidential code.

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