[Tesoros virtuales exclusivos / de compra loca]Hot Mom Received 126 Emails and a 10 Year Old Tragedy! Crazy Mobile Games Monthly Brush 300,000 (Taiwanese Movie) | Apple News | Apple Daily

A mother surnamed Chen in New Taipei City suddenly found dozens of credit card consumption records in her email box on the 20th of last month. The credit card was registered in his wallet. The intuition was that it was stolen and immediately requested the disputed payment and stopped the card. Only after checking the mobile phone bill, the 10-year-old son stole the credit card to buy points for mobile games. She spent 126 transactions of nearly 300,000 yuan in one month. He sighed: “It’s useless for my son to call.” If the gaming company can coordinate refunds.

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In response to this, the card issuing bank responded by providing cardholders with immediate access to credit card transaction information, discovering suspicious transactions as soon as possible and strictly complying with the regulations of the competent authority, providing transaction notifications like newsletters, APP push broadcasts, etc. After investigation, it was found that the swipe card had sent multiple bulletins continuously, Proactively notify cardholder to confirm consumption details, and there is no case the cardholder is not notified.

The bank noted that in regards to excess slippage, in order to provide cardholders with more convenient credit card services, the issuing bank will flexibly open authorization based on the cardholder’s credit and status of the transaction without adjusting the credit limit. This is common in the industry. After receiving inquiries from cardholders, we will also assist clients in handling disputes in accordance with the relevant regulations of the International Credit Card Organization.

Chen Nv told Apple News that a few days ago dozens of credit card consumption records were found in the email inbox. She was pretty sure the credit card was in the wallet and she believed it had been stolen. He immediately stopped the card and requested the disputed payment, only to find out later. My cell phone can change my child’s account, and the account is linked to my credit card. After asking, I was surprised that my son was using the credit card.

Chen Nu said his son secretly brushed 126 pens in December at a total cost of 289,920 yuan. Among them, “Fifth Personality” brushed 81 pens in 11 days, which cost more than 200,000 yuan, including “Speed ​​Field” and “National Gunfight.” With games like PlayerUnknown’s Battlegrounds, I was dumbfounded when I found out the total amount.

Chen Nv pointed out that he did not physically punish his son and sighed that “it would be useless to hit her.” She believed that if the son made a mistake and became a father, of course, he should be held responsible. However, this credit card used to be spent below 1,000 yuan. December 4 On the 5th and 6th, my son charged fees 21, 17 and 33 respectively. In the abnormal consumption situation, the credit card company not only did not call for reminders, but even when the card was full, it directly changed the 200,000 yuan credit limit. Raise it to 300,000 yuan and lose another 100,000 yuan to no avail.

In addition to the game company, Chen Nv explained that he sent letters to the game company’s customer service to seek coordination. Most of the gaming companies responded because the account’s virtual currency has been depleted and you cannot request a refund. There is an additional 300,000 yuan at home for no reason. I didn’t know what to do with the expenses, so I asked the consumer protection officer for help.

Chen Nv said that after learning that his son used the credit card in a stolen way, he first explained to the credit card company that it was not his own consumption, and the credit card company responded that the payment it was made to the game company and needed to contact the game company, and the game company stated that the credits were exhausted If the fee cannot be refunded, I have to appeal to the consumer protection officer for help.

New Taipei City Consumer Safety Director Wang Zhiyu explained that according to the “Online Gaming Service Formalization Contracts Must Register and Not Register”, when an incapacitated person purchases points without an agent legal, if the legal agent does not agree.At that time, you can prepare the supporting documents and submit an application, and the unused game fee should be refunded to the consumer after confirmation by the industry.

The manager of the marketing department of Longyi Co., Ltd. Last name Su, who represented the game “Fifth Personality”, explained that the player discovered that he had stored a large amount of money in a short period of time. In addition to using his account, he also gave gifts to other players, but mainly the player’s virtual currency has been used in full and cannot be refunded. From the gaming company’s point of view, if the refund does not exist for this transaction, once there is a precedent, if there is a precedent in the future, if the person is willing to use this method to refund, yes. The game company is not very fair. (Chen Weirui / Xinbei Emergency Center Report)

How To Deal With Random Child Card Purchase Points

1. Immediately request suspension of card and disputed payments

2. Save the virtual currency of the game

3. Prepare supporting documents and ask the gaming company,

4. The payment will be refunded after the game company confirms.

Source: “Apple” interview