What Is Vioc Charge On Credit Card

Did you see some unknown charges mentioned as “VIOC charge,” or “VIOS POS,” on your credit card now you are worried about what does this mean and if this is some suspicious transaction in your credit card. Your worry is genuine and you must be concerned to unravel the mystery behind and where these charges came from. We often do transactions from our credit or debit card and after some weeks or months, we get confused while viewing the statements.

Vioc is generally used as a short form for “Valvoline Instant Oil Change”, if you own a car and have recently got it serviced then you might understand but if you don’t own any car, then? It might be a potential scam then, I will help you understand the difference between legitimate and illegitimate transactions. Before that try to ask those who have access to your credit card and confirm if they have used it for the oil change in their vehicles.

This guide will explain to you the Vioc charges reflected on your credit card statement and how you can ascertain legitimacy of them. I have also explained the charges and in case you suspect a fraudulent transaction in your credit card then what process you shall take into consideration and how you can save yourself from any such scam in the future?

Know The Vioc

I will start by simplifying the term “VIOC.” It’s generally used as an abbreviation for “Valvoline Instant Oil Change.” Contrary to any cryptic code, it’s associated with a service center which is specializes in automotive servicing, maintenance, and repair. Car owners generally visit such places for chores like oil changes, vehicle upkeep, and all things related to their vehicles. You must understand that this term clearly indicates that you’ve visited at Valvoline service center and have some work done on your vehicle, potentially an oil change.

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What Does Vioc Charge On Credit Cards Mean?

If the Vioc charge is mentioned on your credit card statement, it most probably mean the following:

• If you see the details regarding Vioc in your credit card statement, you must understand that the charges have been levied for a service appointment for your vehicle which includes an oil change and other basic check-ups at the Valvoline service center.

• These charges mentioned in your CC statement may seem confusing, but if it’s there, then this must be a legitimate charge that you or someone you know have authorized to pay for a car servicing or oil change at Valvoline car service center. 

Explanation Of The Charge

There could be many reasons if you noticed the Vioc charge mentioned on your credit card;

You might wonder how this “VIOC” charge looks on your statement as at different times it shows up in a few different ways. Sometimes, it’s just “VIOC.” Other times, you might see things like “VIOC Debit,” “VIOS POS,” or “Valvoline Instant Oil Change.” We are not so sure about the different terms but it usually happens because of different payment gateways but one thing’s for sure that they usually mean the same 

• Visiting the Valvoline Service Center.
• Subscribing to a car serving station owned by Valvoline. 
• Making purchasing for a car servicing item.

If you are sure about yourself, then try asking your family members with access to your credit card, if they ever purchased or subscribed to any form of services offered by Vioc. The purchase or subscription will be most likely the reason for the charges mentioned.

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Know If The Vioc Charge Is Legitimate?

To confirm if the Vioc charge on your credit card is legitimate;

• You must primarily contact your bank or the credit card company and ask for the verification of the transaction details. 
• Check your registered email for any receipt of purchase or confirmation from Vioc.

Post this, if you understand that charges are legitimate but you didn’t make any purchase and are not sure about when and who made the purchase then here are some easy steps to identify if the charge is genuine and not an unauthorized transaction:

Step 1: Checking your purchase history.

You must without any delay check your recent purchase history and see if you have made any purchases from Vioc. If yes, then search for the supporting email confirmation, a purchase receipt, or any such message containing some document that confirms the purchase.

Step 2: Checking the amount of the charge.

Make sure that the amount of the charge exactly matches with the purchase value. Many times additional charges like taxes or shipping charges are also levied, but only added in the final statement. Calculate and include them. If you are still suspicious, check the currency conversions and the rates applied at the time of that particular transaction.

Step 3: Checking the time and date of the transaction.

A legitimate transaction exactly shows the time and date which matches with the time and date of the purchase. If you observe any considerable difference, then this reflects its because of the delayed payment processing or some potential suspicious activity.

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Contacting The Vioc

Post the above mentioned process, you have now concluded that the charges levied are legitimate then no further action is required. But, if you’re still confused about the charge and its origin and have other reasons too to believe that it’s unauthorized then I would recommend you to immediately contact Vioc. As Vioc is a renowned company and would always be happy to help you understand the charge details and clear any other pertinent doubts.

Here’s how to contact the Vioc:

• Visit the Vioc website and find their contact details. In such case contact details must only be trusted from official sources.
• Call the customer service number or write an email, explaining the issue. Make sure you mention all details, some screenshots could help them understand early and easily.
• If you are talking to them, make sure you don’t provide any bank details, and take your time to understand the issue briefly.

What To Do If You Suspect Fraud?

Credit card fraud is not something new we are talking about. Many folks with less knowledge or because of some lucrative offers fall prey to such fraudulent activities every other day. It’s a spam racket widely run by companies who charge them illegitimately and then perish in thin air.

Vioc Charge On Credit Card is one very common example, where many people are reporting the credit card charges which are not authorized by them. In case you suspect this fraud, mentioned below are some steps that you can undertake further;

Contacting Your Credit Card Company

If you have confirmed that the purchase is not done by you or others with access and it’s definitely a fraudulent activity related to your credit card; 

• First and most important thing you should do is to contact your credit card company and immediately ask them to block your credit card to avoid any further unauthorized transactions. 
• To contact their customer service, look for the customer support number on your credit card or the issuer’s website, do not trust any other sources.
• Explain to them the whole situation and provide any requested documents, such as receipts or billing statements, but resist on providing any details like card number, OTP or pin of your card. 
• Your credit card company will then investigate the matter and possibly could reverse the charges also if it is confirmed as fraudulent. 
• If required, your current credit card might be canceled for safety concerns and a fresh card will be issued to you.

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Reporting Incident To The Authorities

Post your confirmation of some fraudulent charge on your credit card, reporting the same to the authorities is important as soon as possible;

• Contacting your local police department or the Federal Trade Commission (FTC). 
• The FTC has a widely maintained database of many such fraudulent activities through which they can potentially help stop any future unauthorized transactions or frauds.
• Reporting the incident soonly can help you protect your identity and further prevent any fraudulent transactions on your credit card.

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Conclusion

What I personally do is on every Sunday I check my credit and debit card transactions and it hardly takes an hour or so. Later, when I receive my credit card bill, it takes me some minutes only to cross match and verify my expenses. This practice also helps me quickly identify suspicious transactions if any. Anyways, our schedules are not the same, but you must always take some time to spare from your busy schedule and monitor your hard earned money.

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