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If the screen shows such a message, take note of what it says, as this can guide your next steps.
3. Check for a Contact Number or Instructions on the ATM
Most ATMs are equipped with a contact number for issues like this. If you see a customer service number or instructions on the screen, call it right away. You’ll likely be asked to provide:
- Your bank details (card number, branch, etc.)
- ATM location (or a code visible on the ATM)
- Time of the incident
The ATM network or bank should be able to track the incident and, in many cases, can help retrieve your card. Some banks have a recovery process in place for swallowed cards, and they might be able to release it after reviewing security footage or performing other checks.
4. Visit the Bank’s Branch or ATM Service Center
If the contact number isn’t helpful or you don’t see any immediate assistance options, the next step is to go to the nearest branch of the bank that owns the ATM. Many banks have a nearby ATM service center or customer support desk where they can assist you with retrieving your card.
- Take your identification with you to prove that the card belongs to you.
- Notify a bank representative about the issue, and they may be able to help retrieve your card from the machine or at least report the incident.
5. Block Your Card to Prevent Unauthorized Use
If you suspect that your card has been swallowed because of fraudulent activity or if the ATM doesn’t offer immediate help, your priority should be blocking your card. Many banks allow you to block or freeze your card using their mobile app, online banking, or by calling their customer service number.
Blocking the card ensures that no one can use it to withdraw money or make purchases until you get a replacement card.
6. Request a Replacement Card
If your card is not retrievable, the next step is to request a new card. You can do this through your bank’s online portal, mobile app, or by visiting your local branch. Depending on the bank’s policy, they may provide a replacement card either immediately or within a few days. Some banks even allow you to request a card expedited if needed.
Be prepared to provide details about the incident (date, time, ATM location), especially if the ATM swallowed your card for suspicious reasons. If the machine was at fault, some banks may also issue you a refund for any lost funds if they can confirm the error.
7. Monitor Your Bank Statements
After your card is blocked or replaced, it’s important to keep an eye on your bank statements or transaction history for any unauthorized charges. If any suspicious activity occurs, report it to your bank immediately. Many banks will offer fraud protection and can help you dispute any unauthorized charges.
8. Prevent Future Incidents
While this situation is certainly unpleasant, there are things you can do to avoid it in the future:
- Double-check before you leave: Always make sure to remove your card from the ATM before you walk away.
- Keep an eye on the machine: Some ATMs may keep the card inside for a few moments before ejecting it. Stay near the machine until you see the card come out.
- Monitor your card’s condition: If your card is damaged or worn out, it could cause problems when inserting it into an ATM. Consider getting a replacement before this happens.
- Check your card’s expiration date: Expired cards are often retained by ATMs, so make sure to renew your card before the expiration date.
Final Thoughts
Though it’s never fun to deal with an ATM malfunction or a card that gets swallowed by the machine, the situation is usually solvable with the right steps. By staying calm, following the steps above, and taking precautions in the future, you can minimize the stress of this common issue. If the worst happens, your bank will typically be there to help you through the process of retrieving your card or issuing a replacement.
And remember, always block your card immediately if you suspect any fraudulent activity. Your safety and peace of mind are worth the extra step!
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