# Card Security

## Spending Limits

Based Orange and HYPE cards have a daily spending limit of S$3,000. Based Gold has a higher daily limit.

{% hint style="info" %}
If you need a higher spending limit, contact us via [in-app support](/docs/others/contact-us.md) or at <operations@basedapp.io>.
{% endhint %}

***

## Transaction Declines

Transactions may be declined for the following reasons:

* Insufficient funds in your account
* Spending at a prohibited merchant category (imposed by the financial service provider)
* Transaction amount exceeded your daily card limit
* Transaction flagged as high-risk by Visa

{% hint style="info" %}
If you believe a transaction was declined in error, contact support via the [in-app chat](/docs/others/contact-us.md) or email <compliance@basedapp.io>.
{% endhint %}

***

## Lost or Stolen Card

If you lose your physical card:

1. Log in to the Based app immediately and report the card as lost. Your card will be locked to prevent unauthorized spending.
2. Contact [support](/docs/others/contact-us.md) to request a replacement. Replacement cards typically arrive within 2 weeks. A card replacement fee may apply.

***

## Fraudulent Transactions

Based uses fraud-detection systems to proactively protect cardholders. If you notice a fraudulent transaction:

{% stepper %}
{% step %}
**Freeze your card**

Immediately lock your card through the Based app to prevent further unauthorized use.
{% endstep %}

{% step %}
**Report to support**

Contact the [support team](/docs/others/contact-us.md) to report the fraudulent activity. The team will assist with initiating a dispute or chargeback process according to Visa's regulations.
{% endstep %}
{% endstepper %}

{% hint style="info" %}
Based facilitates dispute processes in line with industry standards and Visa's network rules. Based does not directly cover financial losses from fraudulent transactions. Most disputes can be successfully contested based on our experience.
{% endhint %}

Disputes may not be successful in certain situations:

* Failure to promptly report the unauthorized transaction
* Transactions you authorized, even if the purchase was unsatisfactory or involves a merchant dispute
* Insufficient documentation or evidence during the dispute process

{% hint style="warning" %}
Fraudulent or unjustified claims may incur fees or penalties as defined by Visa's policies.
{% endhint %}

***

## Cancelling Your Card

To cancel your card, contact [support](/docs/others/contact-us.md) via in-app chat. Cancellation permanently deactivates the card and no new transactions can be made.

If you change your mind after cancellation, a card replacement fee will apply. Contact support to reapply.


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