如何打擊貨到付款詐騙?

結論:

除了鑑賞期退貨權利，行使拒付信用卡款權利讓持卡人有多一層保障。

價格太便宜、以為貨到付款就100%安全、現場打開檢查。都沒辦法幫你討回公道。

國際組織有一條規定如下，持卡人可以拒絕付款。當持卡人收到的瑕疵產品/或被提供的服務不是當初所廣告所描述的內容。(下列文件是給賣家的指引)

原文:Condition 13.3 Not as Described or Defective Merchandise/Services

The cardholder's bank received a notice from the cardholder claiming that the goods or services were one or more of these:

•Merchandise or services did not match the description on the transaction receipt or other documentation presented at the time of purchase. (你所收到的產品/服務，跟購買當下時廣告不同)買XXX,收到石頭。很多詐騙案例是這樣

•Merchandise or services are not the same as your verbal description (for a telephone transaction6).透過電話刷卡訂購時到貨跟購買時所聽到的不同。買藍標來紅標XXX

•The merchandise was received damaged or defective.收到產品時，已經損毀或是有瑕疵。

•The cardholder disputes the quality of the merchandise or services.收到的產品/使用的服務「品質」有問題

註:所有政策可能隨時更新變動，請依照您的往來銀行跟國際組織查詢的結果為準。

所有政策若濫用，將有刑事與民事責任，請謹記

資料來源: Dispute Management Guidelines for Visa Merchants, 2018