Bank card theft refers to the illegal and criminal act of copying other people's credit cards or bank cards in various illegal forms and stealing cardholders' funds. If you accidentally encounter a stolen bank card, I suggest you follow the following steps:
1. Call the customer service of the issuing bank immediately to explain that the credit card was stolen overseas. Customer service will freeze the credit card after verifying the identity to avoid being stolen again.
2. Then the customer service will ask for evidence to prove that the card is on him, and the consumption in different places has nothing to do with him. Then you can make an inquiry about taking a recent photo of ATM machine, because the transaction will fail if the card is frozen, and you should save the failed transaction documents as vouchers.
3. After the bank proves that the credit card has been stolen, it will report the situation to the anti-fraud department, and the anti-fraud department will contact the merchant to recover the money. If the funds have not been liquidated, the bank will ask the liquidator to cancel the transaction, and then the stolen money will be returned to your account. In this case, your money may come back.
The bank card theft incident is actually a race against time. Even if you apply for robbing and refusing compensation in time, the process is long and the success rate is not 100%. Even if you call the police later, there is no 100% guarantee that you can get the money back. In these complicated processes, it is not time to toss, and it is best to take preventive measures. Specific measures can refer to the following points:
1. When applying for a credit card, go to a regular bank or channel. Don't give your personal data to others to save trouble. This makes it easy for personal information to be leaked.
2. When you use a credit card, you should go to a regular store, and don't give the card directly to the waiter. At the same time, the vouchers and purchase orders after swiping the card should also be destroyed. Set a password when swiping a credit card. If you don't secretly brush it, it's easy to be targeted by scammers. Stealing it is your responsibility.
3. For unused cards, you can go to the bank to cancel the account and destroy the magnetic stripe card.
4. If you receive some short messages with unknown links, please don't click.