What must the cardholder do in case of, theft, loss or card's counterfeit?

Where can the card be used?

What precautions must the cardholder have when using his/her card?

Is the cardholder able to change the card's PIN?

What precautions must the cardholder have with his/her PIN?

Which is the maximum amount that can be used with a card per day?

What special precautions must the cardholder have when shopping by internet, telephone and email?

How is the cardholder able to know if he/she was or will be a victim of fraud?

What precautions must the cardholder have to be protected from fraud?

Is the cardholder responsible for the card's use if it was stolen, lost or counterfeited?

What must the cardholder do in case of, theft, loss or card's counterfeit?

If the card was stolen, lost our counterfeited, the cardholder must report it to the card’s issuer through the 24 hour emergency numbers: SIBS - 808 201 251 / 21 781 30 80 or UNICRE through 21 315 98 56. If you are calling from abroad you must dial 00 (for international call) then 351 (country code) followed by 21….
So this is easily done, keep your card’s number and emergency numbers with you. When you travel always take this numbers with you and keep them in a safe place. 

Where can the card be used?

A card of a specific brand can be used in Portugal and abroad in:
(a) Automated Teller Machines (ATM) with an acceptance agreement with an entity representing the card;
(b) Points of Sale (POS) in merchants that accept cards of the so called brand and
(c) Non automatic payment terminals in some merchants that accept credit cards able to perform payments in those terminals.
The ATMs have logos with the accepted brands. In merchants the logos are in the establishment door or in any other visible place.

What precautions must the cardholder have when using his/her card?

Do not let your card out of your sight when making a transaction; make sure that the card is used only once and in the same equipment.
Always insert your PIN covering the keypad with the other hand. Keep the transaction as private as possible, do not allow others or surveillance cameras to see the PIN entering.
After the PIN entering and value confirmation, do not allow the transaction to be repeated unless the equipment displays an error message
Always demand the transaction receipt and keep it until you check your statement, if you notice any unfamiliar transactions contact your card issuer immediately.

Is the cardholder able to change the card's PIN?

Yes. However the card’s issuer can limit the PIN’s change in some cards and in some kind of transactions. The cardholder must read the terms and conditions to check if the PIN’s change, limits the card’s use in specific functions, namely abroad. If you intend to change the PIN you must go to an ATM, do not use perceptible sets of 4 digits ,as for example your year of birth, your birthday or any other number on the documents that are usually next to the card as for example the id and the drivers license.

Note: In the ATM you have three attempts to insert the correct code. The card will be captured by the machine if on the 3rd you make a mistake. In this case you must contact the card’s issuer.

What precautions must the cardholder have with his/her PIN?

He must memorize the PIN and never disclose it to anyone. After receiving it he must destroy the envelope, however, if he wants to, he can keep it in a safe place. Always enter your PIN covering the keypad with your spare hand keeping the transaction as private as possible.

Which is the maximum amount that can be used with a card per day?

The maximum amount that can be used per day depends on the functions assigned to card, the equipment on which it is used, safety factors and limits established by the issuer. Today in Multibanco ATM the cards can only withdrawal a maximum amount of 400 Euros a day. The remaining operations in an ATM or POS must be cannot be equal or higher than 100 thousand Euros per operation, however the issuer can establish lower limits.
There are other limits related to the available amount in the credit card and the balance of the deposit account associated to the card.
 

What special precautions must the cardholder have when shopping by internet, telephone and email?

Make sure you know who you are dealing with before disclosing card details. Only disclose them to reliable entities with trustful sites. In Portugal to make secure payments use MBnet. For more info, go to www.mbnet.pt.

How is the cardholder able to know if he/she was or will be a victim of fraud?

The cardholder can be a fraud victim, if his/her card was lost, stolen or if he never received his/her card. The cardholder may have already been a victim of fraud if there are unfamiliar transactions in his/her account. 

What precautions must the cardholder have to be protected from fraud?

If your card has been stolen or lost, cancel it immediately. Keep your PIN safe, always insert your PIN covering the keypad with the other hand and keeping the transaction as private as possible. If there is anything unusual in the ATM do not use it; if the card is captured, report it immediately to the issuer; regularly check your bank statement; if your address changes inform the card’s issuer.

Is the cardholder responsible for the card's use if it was stolen, lost or counterfeited?

After reporting it to SIBS and/or the card’s issuer, the cardholder cannot be responsible for the card’s inappropriate use in ATMs or POSs. It there is any inappropriate use through non electronic means, the responsibility cannot go beyond the 24 hours after the notification, except if the cardholder has acted fraudulently or without reasonable care. Check all this by reading the terms and conditions.