| Opening |
"How can I help today?" |
The debit card is missing. |
"I can help. First, we should make the card safe." |
| Last card use |
"When did you last use or see the card?" |
Woolworths Melbourne Central, yesterday 4:20 pm, $37.85. |
"I can see that payment. Do you recognise it?" |
| Recent activity |
"Which payments do you recognise?" |
Metro Trains $9.50 is probably hers. |
"Good. We will focus on payments you do not recognise." |
| Suspicious payments |
"Which payments are not yours?" |
7-Eleven Carlton $18.70, Shell Richmond $42.10, and a $1.00 test payment. |
"We can dispute those and cancel the card if needed." |
| Freeze or cancel |
"Could the card have been stolen?" |
She is not sure if it was lost or stolen. |
"We can freeze it now. If someone may have it, cancelling is safer." |
| Identity check |
"What ID do you have with you?" |
Passport photo ID and work ID card. |
"I need to verify your identity before changing the account or ordering a card." |
| Money today |
"Do you need money before the new card arrives?" |
She may need money for groceries, rent or transport. |
"After ID checks, we can discuss cash withdrawal, bank transfer, PayID or online banking." |
| Replacement card |
"Do you need the card urgently?" |
She may travel from Sydney to Brisbane in six days. |
"A replacement usually takes 5 to 7 business days. We can check delivery options." |
| Address |
"Can you confirm your current mailing address?" |
The bank may need a current address for the new card. |
"If your address changed, we may need proof before posting the card." |
| App and phone |
"Can you still receive bank security codes?" |
Her phone number changed, so the app code may not work. |
"We need to update your phone number securely. Never share a PIN, password or one-time code." |
| Digital wallet |
"Is the card saved in Apple Pay, Google Pay or another wallet?" |
She sometimes uses her phone to pay. |
"If we cancel the card, the digital wallet card may stop too." |
| Finish |
"Do you have any questions before we finish?" |
The student should ask what happens next and request a reference number. |
"Your reference number is LC-48291. Keep checking your account for more pending transactions." |