1. Report loss. No matter how you discover that your credit card has been stolen, the first step is to call the bank's customer service number immediately to report the loss. In fact, reporting the loss is the most important, so that you can enjoy the lost card protection service launched by the bank.
2. Check the money at the ATM machine. After reporting the loss, you don’t need to replace the card first. Instead, you can go to the nearest ATM machine to find out your credit card balance. At the same time, this is also the most beneficial evidence to later prove that the card is with you and your location, because the bank can retrieve it. Your inquiry records and video can prove that you were not at the scene of the crime at that moment, and you also had the card with you.
If there is no bank or cash machine around you at the time, you can also find a nearby supermarket or convenience store, make a payment, and keep the receipt to prove that the card was indeed with you at the time.
3. Report the crime. Usually when you report a crime to an ordinary police station, they will not accept it and will pass the blame on each other. The card owner can report the crime directly to the police station of the card issuance center in the city where the card was applied for. If you do not know the area to which the card belongs, you can call customer service and ask him to provide you with the area. The purpose of reporting a case is to help you add evidence to the bank's chargeback application process and increase the possibility of a successful chargeback application.
4. Contact a lawyer immediately to minimize possible risks. Don't worry that contacting a lawyer will take too much time. For a simple case, a lawyer can generally clarify the ins and outs within 5 minutes and give corresponding opinions.
5. Ask the bank to provide important documents. Find a location with a fax machine, use the fax machine phone to call customer service again, and ask customer service to help you fax two important documents. "Account Inquiry Statement" and "Additional Instructions for Non-Personal Transactions".
6. Repay the loan according to the agreed time. Many people will think that the money is stolen and does not belong to their own consumption; or they will not repay the money if they are dissatisfied with the bank's processing results, which will expand their losses to a certain extent.
Extended information:
Recently, the Yongxing Police Station of the Tianquan County Public Security Bureau successfully cracked a credit card fraud case and captured the suspect Yang Mouhao (male, 12 years old, Tianquan) ).
Recently, the Yongxing Police Station received a report from Zhou Mouming, a villager in Zhangjia Village, Renyi Township, Tianquan County, saying that 23,123.98 yuan in his credit card had been stolen. After investigation, it was found that Zhou Mouming's son Xiao Zhou was friends with the criminal suspect Yang Mouhao. Xiao Zhou borrowed Yang Mouhao's QQ account to bind a credit card and forgot to unbind it after using it.
On May 20, Yang Mouhao accidentally discovered this credit card bound to his QQ, which could be used for payment through QQ wallet, so Yang Mouhao paid for it between May 20 and June 3 , 88 QQ payments were used to purchase Honor of Kings, Clash of Clans skins, props, etc., with a total amount of 23,123.98 yuan stolen.
At present, because the criminal suspect is a minor, the police took him back to his family after being educated and criticized, and assisted Zhou Mouming in recovering the cash. On June 27, Zhou Mouming sent a banner to the police station with the slogan "Thunder Attack, Quick Case Solving".
Sichuan News Network-Credit card stolen for more than 20,000 yuan, Tianquan police promptly recovered it