ATM ate my card

wonderwomanusa · Jul 3rd, 2009, 13:58

Quote:

Originally Posted by Boardlizard

I have been in Goa for the past two months and been using the local ATM's when needed. Yesterday morning I was down to around 600rps and went to replenish at an AXIS ATM. Insert the card/pin number and get a TRANSACTION DECLINED, UNAUTORIZED CARD USE card will not be returned. Asked a bank employee what was the problem and they said there is nothing they can do since it was my bank that declined the transaction and they are not allowed to give me back may card. Needless to say, I am in total SHOCK!!

I always tell my bank, before leaving, that I'll be using my ATM card in India; never had a problem that way. I also tell the Visa folks where I'll be, in case I want to charge something.

You might want to try that before your next trip out of California.

Thoughtcrimes · Jul 3rd, 2009, 14:24

You don't necessarily need to open an Indian bank account if you plan to stay in India long-term. Bank of America, for example, has numerous locations in all the major Indian metros and several locations in some of these cities. Ergo,if your ATM card got lost,stolen or otherwise eaten, one could still go to their bank and get additional cash out via the teller, one just wouldn't be able to withdraw cash out after hours thru an ATM. It also takes about 3 weeks to recive a new card when out of the country - annoying but depending upon the bank at least you'll be able to withdraw money without problem despite the temporary inconvenience.

obione980 · Jul 3rd, 2009, 17:39

'Dip in and out' and straight 'swipe' slots are increasingly the normal offering in ATMs world-wide. Much less stressful, when you realise they can NOT take your card; though it may still be temporarily disabled.

The usual preventative/solution to your woes is to notify your card issuer - IN WRITING - and by phone; before - well before; you leave your home country - that you will be using your card in India. (AND demand an acknowledgement).

ALSO - be aware that some accommodation transactions involve your bank -'quarantining' largish sums to cover potential debits.

Good Luck,

indracal · Jul 19th, 2009, 03:25

Quote:

Originally Posted by Boardlizard

Asked a bank employee what was the problem and they said there is nothing they can do since it was my bank that declined the transaction and they are not allowed to give me back may card.

I could not look up the RBI circular now (on net), but when my HSBC card was retained at an HDFC ATM some months back, they referred about some RBI circular - so that may be some thing which this guy had at the back of his mind! The issuer has nothing to do, and the bank whose ATM is being used, simply destroys the card.

Quote:

Originally Posted by Boardlizard

I reach one of phone tellers and they said the banks security had been compromised when unauthorized withdrawls raised red flags in the system. So they stop everyones ATM access, send out letters and new cards!!! Of course, I'm not in Ca to get my new card.

Well, then even if the card would have been with OP (not retained by Axis ATM) - that would not have helped. It's his bank which had a goof up, and not Axis.

Jul 3rd, 2009, 14:24	#17
Thoughtcrimes Senior Member Join Date: Apr 2007 Location: Kolkata, India Posts: 130	You don't necessarily need to open an Indian bank account if you plan to stay in India long-term. Bank of America, for example, has numerous locations in all the major Indian metros and several locations in some of these cities. Ergo,if your ATM card got lost,stolen or otherwise eaten, one could still go to their bank and get additional cash out via the teller, one just wouldn't be able to withdraw cash out after hours thru an ATM. It also takes about 3 weeks to recive a new card when out of the country - annoying but depending upon the bank at least you'll be able to withdraw money without problem despite the temporary inconvenience. __________________ "I speak a strange language, sometimes even I don't understand." - D. Iyall

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Jul 3rd, 2009, 17:39	#18
obione980 Senior Member Join Date: Oct 2005 Location: Brisbane Posts: 381	'Dip in and out' and straight 'swipe' slots are increasingly the normal offering in ATMs world-wide. Much less stressful, when you realise they can NOT take your card; though it may still be temporarily disabled. The usual preventative/solution to your woes is to notify your card issuer - IN WRITING - and by phone; before - well before; you leave your home country - that you will be using your card in India. (AND demand an acknowledgement). ALSO - be aware that some accommodation transactions involve your bank -'quarantining' largish sums to cover potential debits. Good Luck,