The credit card offers you a lot of flexibility. You can go ahead and pay using the credit card at the point of the sales terminal, or you can make online payments using the credit card. You can also use a credit card to withdraw cash from the ATM. With all these flexibilities, it is a must to have a credit card; however, at the same time, it is essential to review the credit card statements regularly to ensure that all the transactions on the credit card are legit. Since you are on this page, we are assuming that you found a transaction on your card with the description as ISPA/PIMDS, and we are going to help you find more details about this transaction.
What Exactly is ISPA/PIMDS Transaction?
Whenever you withdraw the cash from the ATM, you are charged a nominal fee for the withdrawal. Most of the time, the ATM will show you the code that appears on the card. In such a case, a transaction will appear on the credit card statement with the description ISPA/PIMDS. This may be a legit transaction if you have taken out cash using the ATM. If you haven’t withdrawn cash using the ATM, you need to be worried since this may mean that your card details have been stolen and someone else has withdrawn cash using your credit card.
How Do I Report the Fraud?
Since this is a credit card transaction, there is no merchant involved. You would need to resolve this with the bank and law enforcement agencies. You will have to go through certain challenges while getting a refund around this transaction since the cash has already been withdrawn. Apart from this, you also need to ensure that you block and replace your credit card to save yourself from future scams. Lastly, keep the credit card details safe to protect yourself from scams.
It may also appear as one of the below in your card statement
| 1 | CHECKCARD ISPA/PIMDS |
| 2 | CHKCARD ISPA/PIMDS |
| 3 | CHKCARDISPA/PIMDS |
| 4 | Misc. Debit ISPA/PIMDS |
| 5 | PENDING ISPA/PIMDS |
| 6 | POS Debit ISPA/PIMDS |
| 7 | POS PUR ISPA/PIMDS |
| 8 | POS PURCH ISPA/PIMDS |
| 9 | POS PURCHASE ISPA/PIMDS |
| 10 | POS REFUND ISPA/PIMDS |
| 11 | PRE-AUTH ISPA/PIMDS |
| 12 | Visa Check Card ISPA/PIMDS MC |
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