What should I do if my Agricultural Bank of China credit card is stolen?
Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. When some friends used Agricultural Bank of China credit cards, their credit cards were stolen due to their own carelessness. So what should you do if your Agricultural Bank of China credit card is stolen?
1. Generally, after discovering that your card has been stolen, you should call the bank customer service as soon as possible to freeze the card. At the same time, report to the public security organ. If your card has been stolen from another place, you can immediately go to a nearby ATM machine or bank with a camera to withdraw money to confirm that the bank card is in your hand.
2. For credit cards, information protection is very important. On the one hand, it is personal information, and on the other hand, it is card information. Do not share card information such as expiration date, security code, etc. with others. Especially the security code on the back of the card can be appropriately blocked during daily use.
3. In addition, the SMS notification service is activated, which can ensure that the cardholder will be notified of the information as soon as possible when the account is used. Once fraud occurs, you can report the loss of your card as soon as possible. The function of reporting a lost card is that some cards come with a lost card protection service. Within a certain period of time before reporting the loss, those who can prove that the transaction was not done by the person can be exempted from repayment.
Generally speaking, personal ID number, birthday and other information should be kept confidential as much as possible. Credit cards should only be used by the cardholder himself and do not lend the credit card to others.
What should I do if my credit card is stolen?
From a civil perspective, there is a tort liability relationship between the thief and the cardholder, and they should be responsible for the return of the credit card in accordance with the provisions of the Civil Code. liability for the property. From the perspective of criminal law, if the amount of embezzlement reaches a certain amount, it constitutes a crime and needs to bear corresponding criminal liability. A contractual relationship is formed between the bank and the cardholder, and the bank is obliged to provide the necessary safe and confidential transaction environment to protect the cardholder's property security. If a bank fails to fulfill its security obligations, it constitutes a breach of contract and shall bear corresponding liability for breach of contract. Article 196 of the "Criminal Law": Whoever engages in credit card activities under any of the following circumstances and the amount is relatively large shall be sentenced to not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there is For other serious circumstances, the sentence shall be not less than five years but not more than ten years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the fine shall be not less than five years but not more than ten years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; A fine of not more than 100,000 yuan or confiscation of property: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) ) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who uses a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law. "Article 264 of the "Criminal Law", if the amount of public or private property is relatively large, or if the property is broken into the house multiple times, carrying a weapon, or pickpocketing, he shall be sentenced to not more than three years, criminal detention or surveillance, and shall also or solely be fined; the amount shall be If the amount is huge or there are other serious circumstances, the penalty shall be not less than three years but not more than ten years, and a fine shall be imposed; if the amount is particularly huge or there are other particularly serious circumstances, the fine shall be not less than ten years or more, or the property of the employer and the employee shall be confiscated. Negotiations fail to reach an agreement on changing the contents of the labor contract.
What should I do if my credit card is stolen? Can the bank recover it?
There is a chance of recovery if the credit card is stolen. Please call the police immediately and inform the bank. The police and the bank will try their best to recover the losses; banks have specific exemption periods. If you report the fraudulent use during the exemption period and prove that it is not the person who swiped the card, you can be exempted from the repayment responsibility. < /p>
If your credit card is swiped without your knowledge, you can choose to call the police and the police will file a case. Of course, the person involved does not need to bear the amount of the swipe. Even if bad credit occurs during this period, the case will be closed by the police. It can be erased later.
If your credit card is stolen, you should call the police immediately. If the case can be solved, the money can usually be recovered. If the information clues are not clear, the chance of recovery is slim.
Credit card is a non-cash transaction payment method. It is a small credit payment tool provided by banks to users to consume first and repay later. The earliest credit card appeared at the end of the 19th century.
Credit cards are divided into two types: credit cards and quasi-credit cards. They provide settlement services, facilitate shopping and consumption, and enhance a sense of security; simplify payment procedures and save social labor; promote product sales and social needs, etc. Features.
A credit card is a special card issued by a bank or other financial institution to those with good credit status. It is used for shopping and consumption at designated merchants, or for depositing and withdrawing cash at designated banking institutions. Credit voucher.
What to do if your credit card is stolen
1. Freeze. Call the customer service hotline to freeze the credit card and terminate all transactions;
2. Alert. If the police open a case for investigation, they will produce a receipt form, and the cardholder needs to keep it well;
3. Investigate and collect evidence. It was confirmed that the stolen card was indeed in the possession of the cardholder. If you are worried that investigation and evidence collection will not be possible after the card is locked, you can conduct investigation and evidence collection first;
4. Complain. Before the problem is solved, the cardholder must repay the loan normally, which can also prevent the personal credit score from being affected by overdue loans. At the same time, the cardholder can contact the card-issuing bank to apply for cancellation of the fraudulent consumption, and the bank will respond within a certain working day.
Liability for credit card theft
Under the current legal framework, if a credit card is stolen, the responsibilities of all parties are as follows:
1. Misappropriation People - the first person responsible.
There is a tort liability relationship between the embezzler and the cardholder. He shall be responsible for the return of the property in accordance with the provisions of the Civil Code and the Civil Code. If the amount exceeds a certain amount, he shall be liable for the return of the property in accordance with the "Civil Code" and the "Civil Code". According to the provisions of the Criminal Law, the person shall bear criminal responsibility for the "crime" (the starting point of punishment for the Beijing crime is 2,000 yuan). However, the detection rate of such small-amount economic crimes is low, and the embezzlers often cannot be detected and cannot bear the responsibility of returning the money. Therefore, credit card theft eventually becomes a dispute between the cardholder, the bank, and the merchant who swiped the card. Take responsibility.
2. The card-issuing bank—the person responsible for failure to report the loss in a timely manner.
The scope of the card issuing bank's responsibilities is stipulated in the "Service Agreement" signed by both parties when applying for the card. Each bank's agreement is different. The most common point is that the bank will only be responsible for the consequences caused to the cardholder by failing to report the loss in a timely manner. We will be responsible for any losses, but will not be held responsible for anything else. Recently, in order to attract business, some banks have launched a lost card protection service. If the bank card is lost within 48 hours (or 24 hours), the liability is within the limit (5,000 or 10,000 yuan), and strict conditions are stipulated (such as Non-password withdrawals, immediate loss reporting). The liability borne by the card-issuing bank shall be paid by the contracted insurance company.
3. Card swiping merchants are responsible for failing to perform reasonable review obligations.
For credit cards that are withdrawn based on password only, the card swiping merchant has the obligation to verify the password; for credit cards that are withdrawn based on signature, the card swiping merchant has the obligation to verify whether the card user's signature is consistent with the reserved signature. Merchants who use credit cards will only bear corresponding responsibilities if they fail to fulfill the above obligations.
4. Cardholder - the person responsible for failing to keep the card properly.
According to the agreement signed between the cardholder and the bank, the cardholder shall properly keep the credit card. Once it is lost or the card information is leaked or stolen, the cardholder shall bear the responsibility equivalent to the fault of not keeping the credit card properly. of. Once a credit card is stolen, most of the responsibility may lie with the cardholder.
What should I do if my credit card has been stolen? How to deal with it urgently if my credit card has been stolen?
1. Call the customer service of the card issuing bank immediately and explain that the credit card has been stolen overseas. The customer service will be there. After verifying the identity, the credit card will be frozen to prevent further fraud.
2. Then the customer service will ask for evidence collection to prove that the card is with you and the off-site consumption has nothing to do with you. Then you can make an inquiry at a nearby ATM machine, because if the card is frozen, the transaction will fail, and you need to save the receipt of the failed transaction as a voucher.
3. After the bank proves that the credit card has indeed been stolen, it will report the situation to the anti-fraud department, which will contact the merchant to recover the money. If the funds have not been cleared, the bank will ask the settlement party to cancel the transaction. , and then the stolen money will be returned to your account. In this case, your money may be returned.
What should I do if my credit card is stolen?
Once a credit card is stolen, there are three measures to keep in mind:
First, freeze or report the loss in a timely manner.
If you find that your credit card has been stolen, call the official customer service number of the card-issuing bank as soon as possible to inform you of the abnormal transaction, freeze your account or report the loss of your card in a timely manner. If a third-party payment platform is involved, call immediately to control the withdrawal of funds.
The second is to report the case to the public security agency immediately. Keep the receipt of receipt. Detail the circumstances of the fraudulent use and prove that the credit card is still in your custody and that the fraudulent consumption was not done by you. Some payment institutions require the cardholder to provide a receipt as proof of denial of the transaction.
The third is fixed evidence. Immediately go to the nearest ATM or POS to perform a card swiping transaction to prove that the card is not lost on you, and the fixed electronic evidence proves that the card has not been separated. If the card has been frozen or reported lost, the card swiping will not be successful and the card may be swallowed when making transactions through an ATM machine. Please do not panic and follow the relevant bank regulations for follow-up processing.
Extended information
To prevent credit card theft, you should pay attention to three aspects:
First, keep it properly. Keep your credit card and corresponding documents safe, keep the information and password on the credit card, and keep the mobile phone number you reserved when applying for the card. Do not give your credit card to others to use or tell others your password. If you have applied for mobile banking or online banking, you must be more vigilant when operating transactions and pay attention to account changes in a timely manner.
The second is to standardize payment. Go to a regular merchant to swipe your card. When swiping your card, pay attention to whether there are suspicious devices around you. When entering your password, be sure to keep a safe distance from others to prevent your password from being peeked. Increase your vigilance against phishing websites, unsafe links, and phone calls, and do not enter passwords in unsafe environments to avoid information leakage.
The third is to enable SMS reminders. Try to enable the SMS notification function of your credit card and pay attention to it at any time to keep abreast of fund changes, improve response speed, and prevent increased losses.
This ends the introduction on what to do if your credit card is stolen and what to do if your credit card is stolen. Have you found the information you need?