Visa doesn't have a dedicated phone number for fraud, but consumers can call the Visa 24-hour customer assistance center at 1-800-847-2911 to inquire about fraud issues. Visa's fraud monitoring service keeps an eye out for unusual charges on Visa cards and alerts the issuing bank when fraud is suspected.
Visa uses its global data network to monitor credit card transactions for possible fraud, and its system keeps track of customer usage patterns. Each time a Visa cardholder uses the card to make a transaction, that transaction is evaluated against the customer's normal usage history, and transactions deemed suspicious are flagged. Suspicious activity includes large purchases outside the norm, mismatched address information and unusual changes to personal information, such as Social Security numbers. Once an alert is placed on a Visa card, all transactions for that card are placed on hold to protect the cardholder. The issuing bank notifies the cardholder about the fraud alert.
Consumers should request a new Visa credit card from the issuing bank as quickly as possible if the original card is used fraudulently. Consumers can closely monitor credit card activity by signing up for online banking and downloading a mobile app that provides quick account access. Consumers need to be on alert for phishing scams that use credit card company brands to trick people into providing sensitive private information.