Transaction with Credit Card without OTP

[Wisevidhi7748]

W

Wisevidhi7748
PARTICIPANT
May 5, 2025 at 12:50 pm

Today around 4:00 AM a transaction has been done of 30k rupees with my brother’s credit card without OTP, it was an international transaction done in USA and it wasnt done by him and not under his knowing and i know that international transactions doesn’t require otp, also international transactions are in daily use for him so can’t turn it off too.

So what can we do in this case, this has happened to us for the first time.
please advice me for the same.

Thank you

edit: The transaction was done at Magic Mike Live, Las Vegas

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[Vedanthero261]

V

Vedanthero261
PARTICIPANT
May 5, 2025 at 12:55 pm

You need to issue a chargeback on the card. Also block the card as it seems to have been skimmed from some database. No other way. (You most likely going to experience same thing again if its a data breach for this card).

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[Wisevidhi7748]

W

Wisevidhi7748
OP
May 5, 2025 at 1:01 pm

so no police complaint? like we do in cyber fraud?

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[Vedanthero261]

V

Vedanthero261
PARTICIPANT
May 5, 2025 at 1:03 pm

Usually not required. But you need to raise chargeback ASAP as there is a liability clause. Don’t wait for this.

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[Calmchetan114]

C

Calmchetan114
PARTICIPANT
May 5, 2025 at 12:57 pm

Call the bank and raise a dispute.

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[Bravesaraswati3515]

B

Bravesaraswati3515
PARTICIPANT
May 5, 2025 at 1:16 pm

Immediately report it to the bank, raise a dispute, and request a chargeback for fraud

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