If you notice any unfamiliar or unauthorized transactions on your KAST card, you need to act immediately to protect your funds. While KAST cannot directly cancel or reverse charges, we can guide you through the steps to dispute the charges and help secure your account.
How Do I Protect My Account Right Away?
Take these immediate steps to stop further unauthorized activity.
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1. Freeze or Block Your Card Freeze your card instantly in the KAST app to stop new charges. Contact KAST Concierge if you want it permanently blocked. |
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2. Review All Transactions Check your Transaction History carefully for charges you don’t recognize. Fraud often starts small, so note all suspicious details for reporting. |
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3. Contact the Merchant If possible, reach out to the merchant directly. They may be able to cancel or refund a charge faster than filing a dispute. |
How Can I Dispute Unauthorized Transactions?
Follow this process to file a dispute and request a chargeback.
- Gather Transaction Details: Record the date, amount, and merchant for each suspicious charge. Keep receipts or emails that could support your dispute.
- Submit a Dispute to KAST: Contact KAST Concierge with your card’s last 4 digits, transaction details, and supporting evidence. Our team will review and guide you through the process.
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Understand the Chargeback Conditions:
- Reviews may take up to 90 days.
- A $30 processing fee will be applied.
- Refunds depend on the outcome and are not guaranteed.
For a detailed walkthrough of the chargeback process, check out our full guide: How Do I File a Chargeback for an Unauthorized Transaction on KAST?
Why Was My KAST Card Compromised?
Card details can be stolen or misused for many reasons, even if your physical card never left your hands.
- Data breaches: Hackers sometimes break into merchants or apps and steal stored card data. If exposed, your details can be used for unauthorized purchases.
- Falling for Phishing or scams: Scammers often disguise themselves as trusted companies to steal your card details. Giving them away puts your funds at immediate risk.
- Visiting Unsafe websites: Fake or unsecure sites may capture your card data. Sharing details on them can lead to immediate fraud.
- Lost or stolen card: A misplaced or stolen card puts your funds at immediate risk of being spent without your consent.
- Connected to a Public Wi-Fi: Unsecured networks can expose your card details to hackers. Always use private, secure connections for transactions.
How Can I Tell If a Transaction Is Fraudulent or Legitimate?
| Ask yourself… | Possible Fraud | Likely Legit |
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| Do I recognize the merchant's name? | Name looks completely random | Unfamiliar name but tied to a previous purchase |
| Does the location or timing make sense? | Purchase from a city/country I’ve never been to | Matches my usual spending patterns (local or online) |
| Was this a test charge? | Tiny $1–$2 charge followed by something bigger | Temporary hold from hotel, ride-share, or gas station |
| Could it be a subscription? | I never signed up for it | A forgotten free trial or monthly plan |
| Did someone else have access to my card? | No one else has access | A family member used it without telling me |
What Security Steps Should I Take Afterward?
Keep your KAST account safe by taking a few extra precautions after the incident.
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Request a New Card
Freeze the old card and request a new one directly in the KAST app to prevent further misuse.
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Monitor Your Account
Check your account often for suspicious or unexpected transactions. Consistent monitoring helps you act fast if unauthorized purchases show up.
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Update Linked Services
Hackers may use your card through services it’s already tied to. Take time to update those accounts and block possible misuse.
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Set Up Account Alerts
Turn on notifications for transactions so you get real-time updates about activity on your card. This helps you spot fraud immediately.
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Update Your Account Security
Change your account password and review linked devices. This reduces the chance of unauthorized access in the future.
Frequently Asked Questions
Can I still use my KAST account while my card is blocked?
Yes, your account remains active through the KAST app. Only card transactions are restricted until a replacement card is issued.
What happens if I don’t report unauthorized purchases immediately?
Delays in reporting can reduce the chances of recovering your funds. Always report suspicious activity as soon as possible.
How do I know if my information was stolen in a data breach?
You may receive notices from merchants, banks, or security services. If you suspect a breach, request a new card immediately and monitor your account closely.
Can I dispute a subscription charge I forgot to cancel?
No. Subscription renewals you agreed to aren’t eligible for disputes, but some merchants may still refund if you reach out quickly.
What happens if the dispute is denied?
If KAST rules against the dispute, the charge remains on your account. In that case, your best option is to contact the merchant directly.