Step 1: Don't panic when your mobile phone receives a message that you don't want to consume. You should first check whether the sender is a bank customer service, so as not to fall into the trap of SMS fraud (generally, smart phones will automatically identify the bank customer service number after installing dialing software, which will be much more convenient). Record the consumption amount, consumption organization, consumption purpose and other information in the short message (which will be used later).
Step 2: If the card is not stolen into your own hands due to loss and other reasons, you should immediately call the bank customer service and freeze the credit card to prevent the loss from expanding.
If the credit card is stolen in your own hands, you should first keep the evidence of the credit card theft in your own hands if conditions permit. Network theft and copy card theft are applicable. The way to prove that the credit card is in your own hands is that, if you have the conditions, you can check or withdraw cash from the ATM nearby, or you can spend it at a convenience store at will. Keep the consumption receipt, and prove that I didn't do the previous spending behavior of swiping the card in different places.
Step 3: Call the customer service of the bank immediately, inform that the credit card has been stolen, request to freeze the credit card, and record the reply and guidance given by the bank. Then call 1 10 to call the police. Usually 1 10 will ask the cardholder to report to the public security organ near the credit card issuing bank or the nearest police station. After the alarm, the most important thing is to ask for the alarm receipt and other documents so that they can be submitted in the future bank investigation. Alarm receipt is very important!
The fourth step, after receiving the report of stolen brush, the bank will generally not solve it immediately, and will generally reply to the cardholder within five working days. During this period, banks may not necessarily propose actions such as stopping transactions to consumer institutions. In order to reduce their own losses, while waiting for the bank's reply and action, we should actively contact the merchants involved in the stolen brush, stop the stolen brush transaction and recover the money from the merchants to the maximum extent. Because the investigation period of stolen brush is uncertain, in order to avoid affecting the credit record, the amount of stolen brush should be paid in advance before the responsibility of stolen brush is determined.