In this news, it appears that the credit card was stolen even before the consumer received the credit card. This should be entirely the responsibility of the bank.

On the one hand, banks are obliged to issue credit cards to consumers. In this case, the bank did not even give the consumer a credit card, so of course the consumer will not be responsible for the accident. In fact, the main reason for this problem is that when banks send credit cards, they usually use registered mail instead of express delivery. If it is delivered by express delivery, the person will be contacted, but if it is registered, it may be lost. Therefore, banks should improve the safety protection measures for sending credit cards.

At 7 pm on July 26, Ms. Qiu, a citizen, received a text message from her bank that her credit card had been opened and more than 59,000 yuan had been spent while on a business trip. Ms. Qiu immediately contacted the bank to confirm that the information was true. It also confirmed that after Ms. Qiu applied for a credit card, the card had been opened and stolen before she received the credit card. Ms. Qiu immediately called the police. Police investigation found that after the suspect obtained the credit card, he could pretend to be the cardholder to open the card for consumption by making a phone call and following the voice prompts. The police recommended that banking institutions upgrade the security verification process for credit card issuance to plug security loopholes. In addition, some postal couriers randomly place citizens' personal letters in express vehicles out of sight during delivery, giving criminals an opportunity to take advantage of them.

On the other hand, after criminals steal credit cards, they can activate them over the phone. This shows that banks have huge security holes and hidden dangers in their systems. Therefore, banks should continue to improve their activation security protection. measures to avoid losses to consumers.

In short, consumers have not received their credit cards, and then they are stolen. This is entirely the responsibility of the bank. Banks are reminded to strengthen the technical security protection of credit cards, and at the same time, they must strengthen the security of the activation and use of credit cards. Protection level.