You need to call the issuing bank and report the loss, after which the bank will block the card. Then, apply to the issuing bank for the reissuance of the lost bank card. It is worth noting that some banks offer the option to block or unblock the card through their mobile application.

• Upon receiving a report of a lost or stolen bank card.
• If the card is used by an unauthorized person.
• If the client violates the terms of the Bank Card Agreement.
• If suspicious or dubious transactions are detected.
• If the individual is on a list of persons involved or suspected of being involved in terrorist activities or the proliferation of weapons of mass destruction.

A borrower can provide the bank with one or more of the following types of collateral:
• Pledge of property or securities.
• Third-party guarantee;
• Bank or insurance company guarantee.
• Property acquired with loan funds may also serve as collateral for that loan.

A grace period is a time during which you only pay interest without repaying the principal amount of the loan.

Credit history is information about a borrower stored in a credit bureau, which contains details on the fulfillment of obligations under credit agreements entered into with banks and other credit organizations.

Interest capitalization is the addition of accrued interest to the principal amount of the deposit, with subsequent interest calculated on both the principal and the added interest. In other words, it is interest on interest.

If you withdraw funds from a deposit early, you may not always retain the accrued interest, as not all types of deposits offer this option. Deposits that allow early withdrawal while preserving interest usually have a lower interest rate. Additionally, for such deposits, the accrued interest for an incomplete month may be forfeited unless otherwise specified in the agreement.

Electronic wallet means an electronic payment instrument, microprocessor (chip), computer software and other software and hardware, in which electronic money is stored and through which electronic money is transferred.

Main reasons why an ATM may not dispense cash:
1. Account issues:
• Insufficient funds. Ensure you have enough balance, including fees.
• Account block. This may be due to your request, a court order, or suspicious transactions. Contact the bank.
• Limit exceeded. You may have reached your daily or monthly withdrawal limit. Check your card's service terms.
• Expired card. If your card is inactive, contact the bank for a replacement.
2. ATM issues:
• Out of cash. The ATM may be temporarily empty.
• Technical issues. There may be problems with the software, communication, or hardware.
3. Card issues:
• Card damage. A damaged chip or magnetic stripe may prevent reading.
What to do if an ATM does not dispense cash:
• Keep the receipt (if provided) to confirm your withdrawal attempt.
• Record the incident details: time, location, and ATM number (found on the machine).
• Contact the bank: Report the issue and follow the operator's instructions.
• If the money is debited but not dispensed: File a claim with the bank for a refund.

Signs of fake websites and accounts include:
• Unnatural voiceovers in videos.
• Outdated website design.
• Incorrect browser address bar.
• Fake reviews.
• Counterfeit websites.

You can contact the National Bank's consumer protection hotline at +992 44 600 15 20. Specialists from the Financial Services Consumer Protection Department will help you understand the situation, provide consultations, and take necessary measures to restore your rights if needed.