Read the text below and answer Questions 9-14.

LOST CARDS

If you discover that your credit card, cheque book, debit card or cash card is missing, telephone the credit card company or bank as soon as possible. Follow this up with a letter. If you suspect theft, tell the police as well. In most circumstances, provided you act quickly, you will not have to pay any bills which a thief runs up on your account. Most home insurance policies will also cover you against even this limited risk.

Because plastic money is now so common, central registration schemes such as Credit Card Shield and Card Protection System exist to help customers whose cards are lost or stolen. Under the schemes, you file details of all your cards – including cash cards and account cards issued by shops – with a central registry, for a small annual fee. Then, if any or all of your cards are stolen, you need to make only one phone call to the registry, which is open around the clock 365 days a year. As soon as you have called, your responsibility for any bills run up by the thief ends and the scheme’s staff make sure that all the companies whose cards you had are notified.

What you stand to lose on a stolen card

CREDIT CARD You will not have to pay more than £50 of the bills a thief runs up with your card. If you report the loss before the card is used, you will not have to pay anything.

CHEQUES AND GUARANTEE CARD Unless you have been careless – by signing blank cheques, say – you will not have to pay for any forged cheques a thief uses. The bank or shop that accepts them will have to bear the loss.

DEBIT CARD (Switch or Visa Delta) The banks operate a system similar to that for credit cards, in that you are liable for bills up to £50.

If your cash card is stolen

Legally, you can be made to pay back any sums a thief withdraws using your card, but only up to the time you report the loss and up to £50, unless the bank can prove gross negligence, such as writing your personal identification number on your card.

Never keep your card and a note of your personal number (which does not appear on the card) together.
Memorise your personal number if possible. If you must make a note of it, disguise it as something else – a telephone number, say.
The same rules and precautions apply to a credit card used as a cash card.

Question 9-14:

Chose the correct letter, A, B, C or D.

Write the correct letter in boxes 9-14 on your answer sheet.

9. What should you do first if you lose a credit card?
A.     contact your insurance company
B.     write a letter
C.    contact the police
D.    make a phone call

10. Credit Card Shield is
A.     an insurance company which deals with card theft.
B.     a system for registering people’s card details.
C.    an emergency telephone answering service.
D.    an agency for finding lost or stolen cards.

11. When contacted, the Card Protection System company will
A.     inform the police about the loss of the card.
B.     get in touch with the relevant credit card companies.
C.     ensure that lost cards are replaced.
D.    give details about the loss of the card to shops.

12. You are fully covered by both banks and shops if you lose
A.     a cheque that is signed but not otherwise completed.
B.     a blank unsigned cheque.
C.    a Switch card
D.    a credit card

13. If you have written your personal number on a stolen card, you may have to
A.     join a different credit card protection scheme.
B.    pay up to £50 for any loss incurred.
C.    pay for anything the thief buys on it.
D.    change your account to a different bank.

14. What happens if your cash card is stolen?
A.     you arrange for the card to be returned.
B.    the bank stops you withdrawing money.
C.    you may have to pay up to £50 of any stolen money.
D.    you cannot use a cash card in future.

9. D
10. B
11. B
12. B
13. C
14. C

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