One of the reasons we, as a family, love to shop at Inorbit Mall is that all the brands are under one roof and we dont have to head over to Phoenix just for a particular brand in question. Last night,what was meant to be a shopping experience, turned into an unnecessary nightmare.
This time, after we were done with a large part of our shopping mom decided to purchase some cosmetics from the Lifestyle store in Inorbit.
She ended up paying 4k for her entire purchase and decided to pay via debit card. Since she is a mobile banking customer of ICICI, she got a debit purchase sms on her cellphone, just seconds after the swipe. The debit message also contains the remaining balance in the account. A few seconds later she got a similar message with the same debit amount and a lesser balance. She spoke to the guy at the counter and enquired if he swiped the card twice. To which he said no.
On pressing for more information, we found out that they had some system error.
Post that, it was just a matter of sending an sms to ICICI bank to check the balance. We found that our balance had indeed reduced twice.
We got the store to give us an undertaking that what happened was indeed a system error, and that ICICI should credit the amount at the earliest.
What is important here :
1. If you are not registered for mobile banking, please do register. There may be a time when your bank might not send an sms due to technical issues. In that case, always check your balance before leaving the store.
2. There may be a lot of people getting duped in a similar fashion everyday. Best is to take a password protected Maestro card from your bank, so that after swiping its mandatory for you to enter a password to continue with the transaction.
3. I dont know if you know this, but make sure you always be there when swiping your card at a restaurant. Dont just give the card to the waiter. There is a lot of information on the debit card thats useful for fraud.
4. Cash is king! There is nothing wrong in stopping to carry some cash with you, just in case. And if Suze Orman were writing this post, she would ask you to carry a list with you too! :D
P.S.-- I was very angry last night with the service of Lifestyle. They kept us waiting for a really long time. But I know retailers who would not have taken any responsibility. Hence, I have kept the department store bashing at the bare minimum. However, most large retailers will not claim responsibility. Especially if you walk out of the store and come back the next day with a complaint. Its best to be alert. And yes, next morning, an online check revealed that the extra amount had been credited back to the account.