# Virtual credit cards: how to create one, use it, and check each charge | KEZ$ Canonical: https://kezs.com.br/en/learn/credit-cards/virtual-credit-cards Language: en-US Learn how to create a virtual credit card, choose between temporary and recurring use, match charges to your card statement, and respond to suspicious transactions. [Credit cards](https://kezs.com.br/en/learn/credit-cards) # Virtual credit cards: how to create one, use it, and check each charge Learn how to create a virtual credit card, choose between temporary and recurring use, match charges to your card statement, and respond to suspicious transactions. KEZS team · Educational guide [virtual credit cards](https://kezs.com.br/en/learn?tag=virtual%20credit%20cards)[online shopping](https://kezs.com.br/en/learn?tag=online%20shopping)[digital security](https://kezs.com.br/en/learn?tag=digital%20security)[subscriptions](https://kezs.com.br/en/learn?tag=subscriptions)[credit card statements](https://kezs.com.br/en/learn?tag=credit%20card%20statements)[disputing card charges](https://kezs.com.br/en/learn?tag=disputing%20card%20charges)[personal budgeting](https://kezs.com.br/en/learn?tag=personal%20budgeting) [← Credit cards](https://kezs.com.br/en/learn/credit-cards)[What changes when you pay with a virtual card](https://kezs.com.br/en/learn/credit-cards/virtual-credit-cards#topic-1)[Temporary cards, recurring payments, and dynamic security codes](https://kezs.com.br/en/learn/credit-cards/virtual-credit-cards#topic-2)[How to create and check the card in the app](https://kezs.com.br/en/learn/credit-cards/virtual-credit-cards#topic-3)[How to check the store and the checkout page](https://kezs.com.br/en/learn/credit-cards/virtual-credit-cards#topic-4)[Virtual card numbers, digital wallets, and authentication serve different purposes](https://kezs.com.br/en/learn/credit-cards/virtual-credit-cards#topic-5)[Authorization, holds on available credit, and charges on your statement](https://kezs.com.br/en/learn/credit-cards/virtual-credit-cards#topic-6)[What to do when a payment fails or the checkout page freezes](https://kezs.com.br/en/learn/credit-cards/virtual-credit-cards#topic-7)[How to organize subscriptions and avoid interruptions](https://kezs.com.br/en/learn/credit-cards/virtual-credit-cards#topic-8)[Canceling a subscription, removing a saved card, and revoking a credential](https://kezs.com.br/en/learn/credit-cards/virtual-credit-cards#topic-9)[How to match your order, app activity, and card statement](https://kezs.com.br/en/learn/credit-cards/virtual-credit-cards#topic-10)[How to track full and partial refunds](https://kezs.com.br/en/learn/credit-cards/virtual-credit-cards#topic-11)[What to do about a suspicious charge](https://kezs.com.br/en/learn/credit-cards/virtual-credit-cards#topic-12)[When you recognize the purchase but disagree with the charge](https://kezs.com.br/en/learn/credit-cards/virtual-credit-cards#topic-13)[Available credit, future installments, and the money you have to pay](https://kezs.com.br/en/learn/credit-cards/virtual-credit-cards#topic-14)[How to compare the purchase price and the cost of credit](https://kezs.com.br/en/learn/credit-cards/virtual-credit-cards#topic-15)[What to check on international purchases and currency conversion](https://kezs.com.br/en/learn/credit-cards/virtual-credit-cards#topic-16)[A routine for checking each type of purchase](https://kezs.com.br/en/learn/credit-cards/virtual-credit-cards#topic-17)[Frequently asked questions](https://kezs.com.br/en/learn/credit-cards/virtual-credit-cards#faq)[References](https://kezs.com.br/en/learn/credit-cards/virtual-credit-cards#references) What you will find When you shop online, you can enter the details of a virtual card issued through your financial institution's app. Depending on the product, the card number, expiry date, and security code displayed for the purchase may differ from the details printed on your physical card. That distinction matters if the details you entered for a particular payment are exposed. If the app offers separate controls, you can request a block or a replacement for that specific payment credential and check which other payments or services were affected. 01 ## What changes when you pay with a virtual card The payment credential identifies the card you present to the merchant. Your credit line determines how much credit you can commit, and your statement shows the amounts billed in a given cycle. Each can change at a different time. For example, a physical card and two virtual cards can share the same credit line and statement. If the issuer offers a spending cap for a particular virtual card, the cap controls how much can be charged through that credential. The amount still available on the shared credit line depends on the spending and authorization holds on the account. A virtual card primarily protects you against exposure of the details you use to pay. If you approve a purchase from a fake store, the seller may still receive payment for a product they will never deliver. If someone takes over your account in the financial institution's app, they may gain access to controls that go well beyond a single card number. Checking the seller before paying, protecting access to your account, and reviewing your statement afterward each address a different problem at a different point in the purchase. 02 ## Temporary cards, recurring payments, and dynamic security codes The name you see in the app can give you an idea of how the virtual card works. Check the rules that apply to the credential itself. A temporary card may be valid for a set period or stop accepting new authorizations after a certain use. A card with stable details can be used for periodic payments if both the issuer and the service support recurring billing. A dynamic security code may change while the card number and expiry date stay the same. A change in that code alone tells you little about how long the card remains usable or how future charges will be processed. For a one-off purchase charged immediately, a temporary credential can shorten the time during which the details can be used in new payment attempts. Consider a store that takes your order and charges you only when it ships the goods. If the first step simply checks the card and the merchant needs a fresh authorization at dispatch, the credential may have expired by then. An order split into several shipments can also produce charges at different times. Before placing the order, check when the store charges and compare that timing with the rules for your virtual card. For a subscription, look for an explicit statement that the virtual card supports recurring payments. Check whether you can keep separate credentials for services you need to keep running and for occasional purchases. Separating those uses may mean fewer payment details to update after an incident, though it also gives you more cards to keep track of. Whichever arrangement you choose, consider which payments you would need to review if that particular credential were suspended. 03 ## How to create and check the card in the app In the issuer’s official app, open the cards area and select the credit card or corresponding account. Under virtual cards, look for the option to generate or activate a credential if one is not already active. Complete the authentication requested within the app. Labels and availability vary by product. Before copying the details, check that the credential is for credit and which statement it is linked to. Check whether the card is active, how long the credential lasts, when the security code changes, and which transactions it supports. Depending on what you plan to buy, look up the rules for paying in installments, recurring billing, or international use. Check the available credit as well. If the virtual card has its own cap, find out whether it applies to each transaction or to a group of purchases. Locate the controls for blocking and replacing the credential, and enable alerts if the app offers them. It is easier to find those controls under pressure if you have already used the app to locate them. Display the card details when you are ready to enter them on a checkout page you have verified. Use the number, expiry date, and security code from the same credential. On a shared device, avoid saving the card details or leaving your session open. A screenshot may sync with your photo library, and details copied into a chat may be accessible from other devices. If the feature is unavailable or its rules are unclear, contact official support. Seeing the details in the app confirms that you can access them. Approval for a purchase also depends on the order, the merchant, and the status of your account. 04 ## How to check the store and the checkout page Before entering your card details, check who you are buying from. On a marketplace, identify who is selling the item, who will deliver it, and which channel you can use if something goes wrong. If you arrived through an ad or a message, open the store independently and look for the same offer there. A web address that resembles a brand's address or a padlock in the browser can look reassuring. The padlock tells you that the connection to that address is protected. Use other information to verify the seller's identity and how they do business. Review the final order summary, including the product, quantity, shipping, any additional services, and the total. Check whether the amount is for a one-off purchase, the first payment on a subscription, or an initial payment on an installment plan. A checked box for saving the card serves a different purpose from an agreement authorizing future charges. Keep the order number and the confirmation of what you agreed to, including the price, the billing arrangement, and any relevant terms. These records can help resolve a discrepancy without exposing your full card number. Some stores send you to a payment provider to complete checkout. If the web address changes, check that the redirect came from the purchase process you started and that the payment summary still matches the order. Stop entering details if someone asks for the card number in a chat, offers a different payment link without explaining the change, or sends you a code and asks you to read or send it back to them. If the issuer's app asks you to confirm the purchase, compare the merchant, amount, and currency with the order. Resolve any discrepancy before approving the payment. 05 ## Virtual card numbers, digital wallets, and authentication serve different purposes Entering a virtual card number on a website lets you pay using details that differ from those of your physical card. A digital wallet or payment system may instead use tokenization, in which a substitute credential represents the card in a specific context, such as on a device or with a particular merchant, depending on how the system is set up. Suspending that use may involve the issuer, the wallet, or the card details held on file by the service. If you lose a device, find out which payment methods were linked to it and which cards are still active through other channels. A card security code, the password for your banking app, an authentication code you receive, and an approval request for a purchase each serve a different purpose. The card security code is part of the information used to make a payment. A code or notification from the issuer may be used to sign in, register a device, or confirm a transaction. Read the entire request before responding. A message about activating a new device is asking you to take a different action from confirming the amount of a purchase you just started. A scam can start with a purchase alert followed by a call from someone who promises to cancel the charge if you confirm something in the app. End the call and open your account the way you normally do to check what happened. Reject approval requests you did not initiate. If you need to contact the institution, use an official channel you found yourself. These distinctions also matter when reporting an incident. Entering card details on a suspicious page exposes different information from approving the registration of a new device on your account. 06 ## Authorization, holds on available credit, and charges on your statement When you confirm a purchase, the merchant may request authorization for the transaction amount. If the request is approved, part of your available credit may be placed on hold. Capture is the step at which the merchant confirms the amount for processing. After that, the charge may appear on your statement or change status in the app. The labels and timing vary. A notification on your phone, an order marked as paid by the store, and a finalized charge on your card statement can all appear at different times. Suppose you make a hypothetical purchase of R$ 280 and the card initially shows a hold for R$ 280. The store tells you that an item costing R$ 40 is unavailable. Assume the merchant can capture just R$ 240 against the initial authorization and the issuer releases the remainder after processing the adjustment. The app may still show the original hold while that happens. Once the records are updated, you would expect a final charge of R$ 240 and the remaining R$ 40 to become available again on your credit line. If you see two finalized charges, compare both with the order and ask for clarification. Accommodation providers and rental companies may also use holds and adjust the amount after your stay or rental. Before using a temporary credential in these situations, ask how the security hold works, how the final amount is charged, and how the hold is released. A pending hold can reduce the credit available for another purchase before any charge appears on your statement. If you need help locating the transaction, have the amount, approximate time, merchant name, and status shown in the app on hand. 07 ## What to do when a payment fails or the checkout page freezes If the site displays an error after you submit your card details, start by checking your orders on the store's site and opening the issuer's app. If the order is under review and there is a pending authorization, trying again could create another hold or even another order. If the store says the payment failed but the card app shows an approval, save the message and contact the seller with the order reference. Before you pay again, ask whether the seller received the authorization and whether they plan to complete or cancel that payment attempt. If the payment was clearly declined, start with the details you can verify. Check that you entered the number, expiry date, and security code from the same credential. Check whether the virtual card has expired, whether your available credit and any spending cap cover the purchase, and whether online or international purchases are enabled as needed. Leaving the page may have interrupted authentication. The store may also decline that type of card or use a payment process that does not support the transaction. If you are paying in installments, ask what amount the issuer uses to assess whether there is enough available credit. If the status is still unclear, tell support what each side shows. The store can confirm the order's status and say whether it intends to charge you. The issuer can explain the state of the authorization and tell you whether an account setting or restriction affected it. Provide the order reference and, where appropriate, only the last digits of the card number. If you choose another payment method, keep the record of the first attempt and keep checking the card until you know whether the original hold was released or became a charge. 08 ## How to organize subscriptions and avoid interruptions A recurring charge comes from your agreement with the service. The card credential is how the payments under that agreement are made. Before adding the card, check how often you will be charged, when any trial ends, how the plan renews, and where to cancel it. An annual plan paid in installments and a monthly subscription you can cancel may show similar monthly amounts. The distinction matters if you want to leave the service and need to understand what payments are still due under the agreement. Keep a record of the service name, the amount you expect to pay, the next billing or renewal date, the account holder, and a short card identifier such as the last digits. It can help to include the name on the card statement if it differs from the brand displayed in the service's app. In a hypothetical example, three services costing R$ 24, R$ 36, and R$ 55 add up to R$ 115 per monthly cycle. If the R$ 36 service goes up to R$ 48, the new total is R$ 127. Over twelve billing cycles at that price, the extra R$ 12 per month would add R$ 144 to your spending. If a virtual card used for recurring payments is replaced, update the services where an interruption would have the greatest impact, such as file storage or a phone line your family uses. Open each service directly and confirm that it accepted the new card details. Then check the next charge. Depending on the payment arrangement, some services may receive updated card details or keep using a credential maintained by the payment network. If a charge continues after the replacement, check it against the service agreement and the procedure for canceling the subscription. 09 ## Canceling a subscription, removing a saved card, and revoking a credential Cancel the subscription through the channel that manages it. Keep the reference number or confirmation that tells you when access ends and how any charges will be handled. If you bought a subscription through an app store, for example, that store may manage the subscription. Deleting the app from your phone simply removes the software from the device. If you see an installment already due under the agreement or a renewal that has been processed, ask the service to identify what the charge covers. Removing a card from your account takes it off the list of saved payment options, according to how the service works. The merchant or payment provider follows its own rules for retaining records. For payments already authorized, check the transaction status. To stop recurring billing, follow the subscription cancellation procedure. Pausing, blocking, or deleting a card through the issuer affects the credential according to the controls the product offers. A pause may be reversible. Deleting the card may mean creating a new credential and updating the services you want to keep. If you suspect the details have been exposed, use the blocking control available to you and check with the issuer how revocation affects payments and services linked to the card. A purchase authorized before you blocked the card may appear on the statement afterward. If you already completed a purchase in installments, the scheduled installments may continue to appear on later statements. To understand a charge, compare the authorization time, the order reference, and your reason for blocking the card. If you intended to cancel a subscription, also check when the cancellation took effect. Report unrecognized purchases or billing discrepancies separately. The service's cancellation confirmation and the card issuer's dispute record document different actions. 10 ## How to match your order, app activity, and card statement Reconciling a purchase means checking what you agreed to pay against the activity recorded on the card and the charges on your statement. Start with the order number and the agreed amount. Compare the currency, the number of installments, and the card identifier. Then check the name on the charge. A store may bill under its registered business name or through a payment platform. Match that name against the receipt or contact the seller through a channel you know. If you still cannot identify the transaction, contact the card issuer. Suppose you agreed to pay for a hypothetical R$ 360 order in three installments of R$ 120. The first statement shows one installment of R$ 120, and another screen in the app shows R$ 240 in future installments. Together, those amounts account for the order total. If the closed statement also contains a second finalized R$ 120 charge that appears to be for the same order, compare the references and check whether two transactions took place. If the additional amount appears as a pending hold in the authorizations section, check whether it will be released or posted as a charge before concluding that you were billed twice. For a purchase you are tracking, record the store, the order reference, the expected total, the current status, and the next step. You can use four simple statuses to organize your review. You have recognized the charge, you are waiting for confirmation, you are waiting for a refund, or the charge is in dispute. Choose a status that tells you what is left to check. If the order was delivered and the amount is correct, the usual statement review is enough. If the store promised a refund, follow up until the credit appears or the store explains how it made the adjustment. 11 ## How to track full and partial refunds A merchant can cancel a purchase before the final charge is processed. In that case, the expected result may be the release of an authorization hold, with no separate credit on the statement. If the charge has already been processed, the seller can request a refund. The store's confirmation and the issuer's statement credit may appear at different times. Keep the cancellation confirmation and ask what amount was returned, how it was returned, and which reference can be used to find it. If the card you used has since been replaced, tell the issuer and ask how to locate the credit on your account. Consider a hypothetical order of R$ 320. The products you kept cost R$ 260 and the item you returned cost R$ 60. Suppose the full charge already appears on your statement and the store confirms a R$ 60 refund to your card. Once that credit is applied, the net cost of the order is R$ 260. If the credit arrives in the following cycle, the first statement may show the R$ 320 charge and the next one may show the R$ 60 credit. The timing changes how much money you need at each due date, even though the total cost across the two cycles is the same in this example. For purchases paid in installments, check the sum of the installments and the credits. Depending on how the refund is processed, the installments may continue to appear alongside an offsetting credit, or the issuer may adjust future entries. If the charge appears on a statement that is due before the adjustment, ask the issuer how much to pay. Also record whether the seller offered a store credit or a refund to your card. Those resolve the transaction in different ways. A balance held by the store will not appear as a credit on your card statement. 12 ## What to do about a suspicious charge If you receive an unexpected alert, open the issuer's app the way you normally do. Check whether the transaction actually appears there and whether it is a payment attempt, an authorization, or a posted charge. Quickly check whether the merchant name could match an order you know about or a subscription. If you still do not recognize it, block the credential using the available controls and contact the institution through its official channel. A declined attempt can matter if there are signs your card details were exposed, even when no amount appears on your statement. Explain what happened and provide the details that help locate the transaction, such as the amount, approximate time, merchant, and last digits of the card. Tell the issuer if you entered the details on a suspicious page, lost your device, or approved a request after someone persuaded you by phone. If someone may have gained access to your account, ask about open sessions, linked devices, and how to recover access from a trusted device. Blocking a virtual number helps contain further use of that credential. Securing the account also requires checking the channels through which someone could still act. Report the dispute to the card administrator and record which transactions are covered by the request. In consumer transactions, Article 54-G(I) of Brazil’s Consumer Protection Code allows you to deduct a disputed purchase from the statement and pay the undisputed amount while the dispute remains unresolved, provided you notify the card administrator at least ten days before the statement is due. Check whether a provisional credit has already reduced the amount due, so you deduct the charge only once. Keep the case reference and the date you notified the administrator. If you gave less notice, confirm how the charge will be handled on the due date. Follow the charge and any adjustments until the dispute is resolved. 13 ## When you recognize the purchase but disagree with the charge If you recognize the seller and the order, the information to gather depends on what went wrong. If the product never arrived, organize the order confirmation, the expected delivery date, and your messages with customer support. If the issue is duplicate billing, identify the two finalized charges that appear to relate to the same order. If a subscription was canceled and you were billed again, compare the cancellation confirmation with the period covered by the new charge. Describing the issue precisely helps whoever reviews the case identify what to investigate. For a problem with the purchase itself, contact the seller or the platform that recorded the order through an official channel and ask for a specific resolution. If the store says it returned your money, ask for the refund reference and amount. While gathering the records, ask the issuer about its dispute procedure, the evidence it needs, and the applicable deadline. If you need to dispute the charge, notify the card administrator promptly. How far in advance you give notice before the statement due date matters when exercising your right to pay the undisputed portion. Suppose you signed up for a subscription at R$ 45 per month, canceled it through the designated channel, and then saw another R$ 45 charge. Check whether the charge covers a period that started before or after the end date in the cancellation confirmation. If the period began afterward and the service cannot explain the charge, send the issuer the confirmation and the record of the charge. Describing the issue as billing after cancellation connects those documents to what happened. If the merchant issues a refund while the case is still open, tell the issuer about the credit so it can reconcile the entries. 14 ## Available credit, future installments, and the money you have to pay Consider a hypothetical example in which your physical and virtual cards share a credit line of R$ 2,400. You make a R$ 900 purchase in three installments of R$ 300, with the full purchase amount counting against the credit line. You also have R$ 400 in purchases paid in a single payment and a pending authorization hold of R$ 200. Your available credit is R$ 900, because subtracting R$ 900, R$ 400, and R$ 200 from R$ 2,400 leaves R$ 900. If the hold is released without a charge, your available credit rises to R$ 1,100, assuming no other transactions post. Suppose the first R$ 300 installment and the R$ 400 in single-payment purchases appear on the same statement. The statement totals R$ 700 in this example. The two future installments add up to R$ 600, and the R$ 200 hold reduces available credit while it is active, even though it has yet to become part of the statement. To decide whether another purchase fits your budget, look at how much money you will have on the due date and at the expenses coming in later cycles. If you set aside R$ 850 to pay a R$ 700 statement, you have R$ 150 to spare, even if the app shows R$ 900 in available credit. Imagine a R$250 unexpected expense posted in the same cycle. The statement rises from R$700 to R$950, leaving a R$100 shortfall against the R$850 set aside. If the R$200 authorization hold also becomes a posted charge in that cycle, on top of the unexpected expense, the total reaches R$1,150 and the shortfall grows to R$300. Check the cash effect of both charges before committing to another purchase. 15 ## How to compare the purchase price and the cost of credit Separate the amount the store charges for the order, the costs the issuer charges for the card product, and any costs you may incur if you finance the statement balance. The order includes the price, shipping, and any extras you agreed to buy. The issuer's card product may carry costs specified in the agreement. Financing a statement balance creates a separate payment obligation with its own terms. Check the terms of your card for any applicable services, charges, and fees. If you buy in installments, check the total for the option you select, especially when the amount of each installment is the most prominent figure on the screen. Imagine a hypothetical offer of R$ 720 paid upfront and another offer of six installments of R$ 130, with the same product, delivery, and other terms. The installment plan comes to R$ 780, or R$ 60 more than the upfront price. If you already have R$ 230 in monthly card commitments for the next six cycles, the new installment raises that total to R$ 360 per cycle. In any month when you can set aside only R$ 320 for the card, you would be R$ 40 short before making any further purchases. If you need to finance a balance, compare offers by total repayment, payment due dates, and Brazil's Custo Efetivo Total (CET), or total effective cost, where applicable. Suppose two hypothetical offers cover the same R$ 500 balance. One requires four payments of R$ 145, for a total of R$ 580. The other requires six payments of R$ 105, for a total of R$ 630. The second offer lowers each payment by R$ 40 and increases the total you pay by R$ 50. Check when the payments begin and whether the quoted amounts already include the disclosed charges. The time until the next due date and the sum of the installments matter alongside the amount of the first payment. 16 ## What to check on international purchases and currency conversion On a foreign website, confirm the currency in which the order will be authorized and check whether the issuer allows the transaction with the type of virtual card you have chosen. The language of the page, the symbol next to the price, and an estimate in Brazilian reais may point to a different currency from the one used for the actual charge. If the site offers payment in reais, check who converts the amount and what total the seller presents. If the seller charges in a foreign currency, review the issuer's conversion rules and any applicable charges. Also consider shipping, possible import costs, and the cost of a return under the terms of the order. Imagine an order for 80 units of a foreign currency. For illustration, assume a conversion rate of R$ 5 per unit and total charges of R$ 20. The converted purchase amount would be R$ 400, and the estimated total would be R$ 420. In a second hypothetical scenario, with a rate of R$ 5.50 and charges of R$ 22, the converted amount would be R$ 440 and the total would be R$ 462. The difference between the two scenarios is R$ 42. These figures illustrate the calculation. To estimate your own cost, use the rate and charges presented for your transaction. If the order is canceled, compare the currency and amount of the credit with those of the original charge. The way the refund is converted and how the charges are treated depend on the rules applied to the transaction. If the credit in reais differs from what you expect, ask the issuer for a breakdown of the calculation. Check whether the store charges only when it ships the product. That timing can affect both the use of a temporary card and the estimate in reais you saw at checkout. Keep a receipt showing the original currency so you can check the figures again. 17 ## A routine for checking each type of purchase Before a one-off purchase, check the seller, the total, and when the charge will be made. Choose a credential that will stay valid through the expected payment process and check your available credit. At checkout, compare the order summary with any authentication request. After paying, keep the receipt and check that the charge matches what you agreed to. If the page freezes, check the order status with the store and the authorization status in the issuer's app before trying to pay again. Checking both can reduce the risk of a duplicate order or payment. For a subscription, record the amount, when it renews, how to cancel, and which credential you used. If you replace the card, update the services you want to keep. If you cancel a service, save the confirmation and review the statement for the cycle when you expected the next charge. For purchases involving a later delivery, a return, or a hold on your credit line, record the next event you expect to see. It might be the merchant capturing an adjusted amount, the issuer releasing a hold, or a refund appearing as a credit. When comparing issuer features, think about what you could do if you had to act quickly. Check whether the app distinguishes authorizations from posted charges, identifies the credential used, and explains what a block affects. Find out how to recover access and reach customer support if you lose access to your device. If you suspect fraud, first contain further use, then report the transaction to the issuer and follow the case to its outcome. For a return you recognize, match the original order and the store's refund confirmation with the credit on your statement. FAQ ## Frequently asked questions. ### Do I need to make a small purchase to find out if my virtual card is active? Check the credential's status, available credit, and settings for the type of purchase you intend to make in the app. You can verify those details without making a purchase. Approval of a small payment at one store confirms that specific transaction. For a subscription or an international purchase, you still need to check whether the card product and the merchant support that use. ### Can I delete my temporary card right after completing the purchase? Before deleting the credential, check whether the seller has already confirmed the charge or will need to request another authorization, as may happen when a store charges at dispatch. If the card details may have been exposed, use the available blocking control and ask the issuer what happens to existing authorizations. Keep the order reference so you can find charges, installments, or credits even after replacing the card. ### Why did my available credit drop when there is no purchase on my statement? A pending authorization can place a hold on part of your available credit before the merchant confirms the charge. Open the authorizations or pending purchases section of the app and compare the amount with your orders. If the store canceled the payment attempt, ask whether it requested a reversal and ask the issuer how to track the release of the hold. If you do not recognize the transaction, report it even if it is still pending. ### Can a subscription continue after I change the virtual card number? Yes, depending on the billing arrangement and whether the payment details can be updated. Your agreement with the service can also remain active after a payment attempt is declined. To end the subscription, cancel it through the channel that manages the plan, keep the confirmation, and check the next statement cycle. If a new charge appears, compare the period it covers with the effective cancellation date. ### What should I do if I entered my card details on a suspicious site and nothing has appeared on my statement? Open the official app, block the credential if the control is available, and contact the issuer about replacing it. Tell the issuer which details you provided. If you also entered your account password, shared an access code, or confirmed the registration of another device, ask for help securing the account and reviewing linked devices. Keep checking for new attempts and posted charges after speaking with support. ### Should I pay attention to a small charge I do not recognize? Yes. The amount alone tells you little about where the transaction came from. Check whether it is a card verification associated with an account you just set up, a pending authorization, or a finalized purchase. Compare the merchant and the time with your records. If you still do not recognize the transaction, contact the issuer and ask how to block the credential and report the case. ### How can I tell a merchant refund from a credit issued during a dispute? A merchant refund comes from an adjustment to the purchase, such as a cancellation or return. A credit issued during a dispute may be provisional and depend on the outcome of the investigation. Use the merchant's confirmation and the issuer's dispute reference to identify each entry. If the merchant refunds the amount while the dispute is still open, tell the issuer and follow how the credits are reconciled. ## References and context Institutional reference points for checking applicable rules and guidance. Calculations and scenarios are original examples, not quotes, historical results or individualized recommendations. - [Código de Defesa do Consumidor, arts. 52, 54-B e 54-G ↗](https://www2.camara.leg.br/legin/fed/lei/1990/lei-8078-11-setembro-1990-365086-normaatualizada-pl.html) - [Banco Central — Cartão de crédito ↗](https://www.bcb.gov.br/meubc/faqs/s/cartao) - [Banco Central — Golpes e transações com cartão ↗](https://www.bcb.gov.br/golpes) - [Banco Central — Resolução CMN 4.881 ↗](https://www.bcb.gov.br/content/estabilidadefinanceira/especialnor/Resolu%C3%A7%C3%A3o4881.pdf) AI-assisted educational content. Decisions require verification of the information, instruments and providers in each actual case. ## Keep learning.[Explore the category ↗](https://kezs.com.br/en/learn/credit-cards) [ Credit cards ### Paying a credit card bill early: how to assess savings, available credit and cash Learn when paying a credit card bill early makes sense, how to check discounts and available credit, and how to avoid cash shortages for other expenses.Explore the article ↗ ](https://kezs.com.br/en/learn/credit-cards/paying-your-credit-card-bill-early) [ Credit cards ### How Additional Credit Cards Work: Limits, Bills, and Shared Spending Learn who pays the bill, how purchases and installments affect a shared credit limit, and which controls can help households manage everyday spending.Explore the article ↗ ](https://kezs.com.br/en/learn/credit-cards/additional-credit-cards) [ Credit cards ### How to Reconcile Your Credit Card Statement Line by Line Learn to check purchases, installments, refunds, and prior balances, rebuild a credit card statement from a worked example, and compare payment options.Explore the article ↗ ](https://kezs.com.br/en/learn/credit-cards/reconciling-a-credit-card-statement) From knowledge to decisions ## Plan your next step with more clarity.[Get started ↗](https://kezs.net/?lang=en)