店家被盜刷 銀行有可能不買帳嗎? - 銀行
By Catherine
at 2009-10-13T01:07
at 2009-10-13T01:07
Table of Contents
如標題~
這是發生在我打工的鞋店,是同事轉述的~
今天有兩個年輕男生,打扮很像ABC,
一進店裡就開始點餐般的挑鞋,
最後一共挑了11雙共一萬多元,
拿了一張美國核發的信用卡刷卡結帳,
第一次整筆刷不過,接著先刷一部份也不過,
他就要求一筆一筆刷,一共分成11筆,都刷過了。
他們離開後同事打電話給店長,
店長很緊張的打去銀行問,
(以下店長轉述)
銀行查過那不是偽卡,
但因無法與持卡人確認身分,因此無法知道是否是盜刷。
銀行方面是說,如果第一次整筆刷不過,應該要跟他們連絡,
因為分開單筆單筆刷,可能會破壞他們的某種機制(?),
而導致盜刷成功.....
銀行可能會因為這樣而要求店家自行負責損失,
即使這個月有成功請款,未來若確定是盜刷,
也會因為我們給持卡人單筆單筆刷,而要求把該款項退回銀行。
=================================================================
想請教版上先進,
假設確實是盜刷,店家跟銀行的責任是怎樣歸屬呢?
因為以小妹的拙見,店家也算是受害者,真的應該全數歸責店家嗎?
假如銀行真的這麼主張,店家有沒有管道可以救濟呢?
先謝謝各位了!!!
--
Tags:
銀行
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