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The CB card is a universal means of payment in France. To use it in complete peace of mind, several common-sense security rules should be observed.
The CB certification policy aims to ensure that the payment mechanisms are interoperable and have a high level of security. Also, in order to improve the way the expectations of users are taken into account in its products and services, CB maintains constant dialogue with consumers’ organisations, via a dedicated advisory council.
SEVERAL PRECAUTIONARY RULES
The security of the CB bank card does not mean that you must not follow a few commonsense rules for using it in complete security:
WHAT SHOULD BE DONE IN CASE OF LOSS OR THEFT?
"The legislator has covered the case of loss or theft of bank cards and the effects of invalidation on the holder of the card. Thus, article L133-19 (ordinance n°2009-866 dated 15 July 2009) of the French monetary and financial code specifies: -I -In case of unauthorised payment transactions consecutive to the loss or theft of the payment instrument, the payer shall bear, before the information specified in article L133-17, the losses stemming from the use of this payment instrument within the limit of €150. Nevertheless, the responsibility of the payer is not implicated in case of unauthorised payment transactions carried out without use of the personalised security mechanism".
In other words, in case of loss or theft of the bank card, an excess charge of a maximum of €150 is applied to the amounts debited before the invalidation date except where these transactions have been made without the confidential code.
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Twice a year, a meeting of the advisory council brings together CB experts and consumers’ representatives. These meetings inform stakeholders of news concerning the CB system and, above all, provide a means of discussing questions on specific expectations. These meetings are a crucial component of CB governance.
The representatives of consumers’ associations taking part in this council are from among the main representative organisations, including: