There are many situations, such as the leakage of credit card information and personal information, leading to network theft. The most rampant now are various fraudulent text messages or fraudulent phone calls such as fake base station text messages, pretending to be in the name of a bank to steal cards and personal information. I miss you and implement online theft. There are also cases where the card has been copied by criminals who have used the card at unsafe merchants, that is, they do not have your card, but they use your copied card to counterfeit the card. This happens mostly abroad, such as copied cards in Southeast Asia. The situation is very rampant, and there are many in Europe and the United States now.

When encountering this situation, call the customer service hotline as soon as possible to freeze the card and request a replacement card to avoid subsequent financial losses. As for the capital losses that have occurred, the responsible party should be investigated and determined based on the actual situation. Any theft caused by the user's personal reasons will definitely be borne by the user himself. If it is not the user's own fault, a chargeback will be initiated to the merchant or the bank will bear the responsibility. Telecom fraud is mostly caused by users themselves leaking information. This kind of fraud is basically borne by the user himself. However, if you encounter this kind of situation, don’t be too panicked. You should check the flow of funds as soon as possible. Generally, it is mostly from online merchants or third parties. On third-party platforms, after finding the specific information, you can quickly contact the merchant to intercept or terminate the payment. There is still hope of recovery. If you encounter fraudulent transactions when the card is with you, the information has not been leaked, and it has not been used by others, you must find a way to prove that your card was applied for when the incident occurred, such as immediately swiping the card to make a purchase or withdrawing cash. Give the bank sufficient evidence to initiate a chargeback to the merchant.