You paid by credit or debit card

These steps help you dispute the charge, stop any more charges, and build the record your card company needs.

What to expect

Card companies often reverse scam charges, especially when you report them the same day and keep your records. Credit cards have the strongest protections. Debit-card protections depend on what happened and how quickly you report it.

Source: FTC: Lost or stolen credit, ATM, and debit cards

Right now

Do these first

Don’t reply, and don’t pay any “fee” to fix or unlock anything.

Within 24 hours

While it’s fresh

In the weeks ahead

Keep an eye on it

Also gave out your Social Security number or ID?They have your identity or personal details

Staying safe from here

Add layers of protection
Download the free Scamwise app to automatically block scam messages, flag scam calls, and check anything suspicious instantly.
Freeze your credit
It’s free at all three bureaus and stops anyone opening accounts in your name.
How to freeze your creditusa.gov
Turn on two-step verification
Start with your email and bank. It’s in each account’s security settings. With it on, a stolen password alone won’t get anyone in.
Hang up and call back
If a call, text, or email pushes you to act fast on money, contact the company using the number on its website or your card.
Expect a second attempt
People who’ve been scammed get targeted again, often by someone offering to help.

Scammers count on silence. Sending this guide to friends and family helps them act fast if it ever happens to them.

This page is general information, not legal or financial advice. Policies change and vary by institution, so confirm details with your bank or the official agency. Scamwise never charges victims and cannot recover funds.

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