how can someone who has my physical bank card be able to use it?

If someone has physical access to your bank card, they can potentially use it to make purchases or withdrawals at point-of-sale terminals and ATMs that do not require additional authentication, like a PIN or signature. Here are several ways they might exploit your card: 1. **In-Person Transactions**: Many merchants allow transactions simply by swiping or inserting the card. If no PIN is required, the thief can make purchases directly. 2. **Online Transactions**: While most online purchases require the card number, expiration date, and CVV (the three-digit code on the back of the card), if the thief has access to that information (e.g., if it's written down), they can use your card information for online purchases. 3. **Contactless Payments**: If your card has contactless payment capability (e.g., NFC technology), the thief can make quick payments without the need for entering a PIN, as long as they stay below a certain threshold, which varies by country. 4. **ATM Withdrawals**: If they know your PIN and have the card, they could withdraw cash from ATMs. ### Ways to Protect Yourself: - **Report the Loss**: If your card is lost or stolen, report it to your bank immediately to block any further transactions. - **Monitor Transactions**: Regularly check your bank statements and online banking for unauthorized transactions. - **Change PINs and Passwords**: If you suspect your card has been compromised, change any associated PINs or passwords immediately. - **Use Card Alerts**: Many banks offer alerts for transactions made, which can help you spot unauthorized use quickly. - **Secure Your Information**: Be cautious about sharing your card details, and do not write down your PIN or write down card details in unsecured places. In summary, if someone has your physical card, they could use it for transactions, primarily if they also know your PIN. Immediate action, such as contacting your bank, can help mitigate potential losses.