Credit cards make life easier. Certainly if you want to purchase something online. But what if something goes wrong? Will you get your money back?
Most common problems
Shopping online is quick and easy. Most online purchases run without problems. But sometimes something can go wrong. Just think of: a damaged delivery, a late or non-delivery, a double booking, etc.
These problems can have all kinds of causes. They are often due to technical malfunctions or stock problems and are easy to solve. In such cases it is best for you as a customer to contact the trader. And if you cannot reach an agreement, call Willcon Service Center or download the “Request for credit card transaction” form from our website.
After this, the amount will be temporarily returned to your account. On your statement of account you will see the mention ‘credit subject to change’ when crediting. After an investigation, it can take up to 165 days for a decision to be made.
– Is the decision positive? Then you will get your money back. You will not receive written confirmation of this.
– Is the decision negative? Then the money will be taken from your account again and you will receive a message about this.
Deception and fraud
Sometimes there is also fraud, for example because a phishing e-mail has been followed . The victim receives an email from a brand he knows well. He is asked to communicate his confidential data on a website that looks completely legitimate. In this way, criminals receive information that allows them to misuse credit cards. You can also complete and return this document in the event of fraud. Willcon will investigate your dispute and refund you if necessary.
Attention! Never respond to emails that ask you to communicate confidential information such as usernames and passwords. Remember your secret code. If your credit card is used with your secret code and it appears that you have been very negligent, the bank is not obliged to reimburse you.
At Willcon your purchases are protected thanks to Verified by Visa and MasterCard SecureCode . Many traders are certified for this system. You will find the Verified by Visa and MasterCard SecureCode logos on their sites.
Are you doing an online transaction? Then you will receive a unique code by SMS with which you can confirm the transaction.
Credit card you are protected against certain risks
For example, the Brinco World MasterCard includes a daily reimbursement in the event of hospitalization. With the Sunflower World MasterCard you are covered in the event of car aggression and theft of car keys and/or papers. And with the World Travel MasterCard you are insured against travel accidents, delay and loss of luggage and flight or international train delay and missed a connection and international travel assistance.
All our cards include purchase insurance that insures your purchases of a minimum of € 50 for 200 days from the purchase date in the event of qualified theft (theft with burglary or violence) or accidental damage.
Willcon has taken out these insurance policies for the benefit of the holders of Willcon credit cards. Consult the general terms and conditions (per credit card type) for the definitions, the guarantees and the reimbursements, the exclusions, and the procedures in the event of a claim declaration.