Potrebno je da podnesete reklamaciju banci navodeći da artikal za koji ste naplaćeni nije primljen. Čim pomenete kockanje ili kazina oni vam neće pomoći.
Ako je stariji od 120 dana, preuzimate ga kao poklon karticu/kredit za proizvode trgovaca koje niste primili ili kojima nemate pristup.
Dobra praksa da prvo pošaljete e-poštu trgovcu i da koristite snimke ekrana tih e-poruka bez odgovora da biste podržali vašu tvrdnju. Trgovac neće odgovoriti jer zapravo niste ništa kupili od njih i automatski ćete dobiti tužbu.
Vredi pročitati i uslove za kazino kao da je vaša zemlja na listi zabranjenih zemalja, a zatim im pošaljite snimke ekrana toga i zatražite potpuni povraćaj novca.
Što se tiče prenosnih, podnesite ih kao prevare i banka će pokušati da nadoknadi sredstva, ali to nije garantovano
You need to submit claims with the bank stating the item you were charged for was not received. As soon as you mention gambling or casinos they will not help.
If it's older than 120 days you claim it as a gift card/credit for the merchants products which you haven't received or have no access to.
Good practice to send emails to the merchant first and to use screenshots of those emails with no responses to support your claim. The merchant won't respond as you haven't actually bought anything from them and you will win the claim automatically.
It's worth reading casino t&c too as if your country is on a list of restricted countries then send them screen grabs of that and request full refunds.
As for the transferop ones, submit those as scams and the bank will try and recoup the funds but this is not guaranteed