My credit card has been stolen overseas, what is the self-help guide? What are the common traps for card theft?

What is the self-help guide if your credit card is stolen overseas?

Be sure to report the loss to avoid another outflow of assets

Card holders should immediately call the bank customer service hotline to report any abnormal account changes and apply for a lost card lock! This can avoid theft. If you act again, you should reasonably reduce subsequent losses!

Alarm filing must not be bypassed

After notifying the bank, the cardholder must call 110 to report the amount of fraudulent use, Method, duration, address, and account information of the other party to the transaction.

Time is of the essence, so here is a unique tip for investigation and evidence collection: use the nearest ATM machine

Immediately go to a nearby bank branch, an ATM, or a store that accepts credit card swiping and has surveillance to swipe your card. Anyone who can prove that it was done by themselves and get a voucher is fine. If the loss has been reported before, the ATM machine can swallow the card, which is best. This move is one of the most effective ways to prove that someone other than the person controls it overseas.

Complain to the bank and confirm that the card has been stolen

Establish contact with the bank again , Complain to the bank: The card was stolen, and there were many transactions that were not made by me. There is evidence to prove that I was stuck at this time, and I applied to cancel these transactions. The bank will send the case to the bank's risk control system unit as appropriate and respond within the relevant working days.

Find ways to reverse the transaction

Find the merchant to explain the situation and block the transaction as much as possible! Find the merchant name on the received consumer information, log in to the merchant's website, and contact the customer service staff to indicate that the credit card has been stolen. In the event of fraud, the other party is required to cancel the transaction. The whole process may be bumpy and complicated, so don’t be afraid of trouble (please ignore it, boss), reasonableness is the last word!

What are the more common card theft traps?

1. Free Wi-Fi

Some people have had their credit cards stolen after connecting to public free Wi-Fi. There is no such thing as a free lunch. Unless explicitly informed by the store, in public places WiFi without a password is most likely used by criminals specifically for "fishing."

2. Give gifts with QR codes

Some criminals can fake QR codes and encourage customers to scan QR codes in the name of "scan QR codes to send gifts" code, and then steal the bank card information on the mobile phone. Therefore, be careful not to scan QR codes from unknown sources casually to prevent the information on your mobile phone from being stolen and your credit card being used. Just because fraud has not happened to you for the time being, does not mean that it will eventually happen. It is a habit to swipe your credit card while studying abroad. It is always right to be prepared as often as possible!

However, in terms of key laws and regulations, Before the system was promulgated, customers' "escape" was largely reflected in prior prevention. Experts believe that cardholders need to take good care of themselves and their credit card information when swiping their cards overseas. If you are worried about overseas fraud, you can apply to the bank to turn off overseas cardless quick payment, or ask to turn on intradermal tumor verification methods such as "pre-embedded mobile phone dynamic verification code" and "dynamic token". In addition, some banks and auto insurance companies have also launched "theft insurance", which can provide certain safety precautions for credit card swiping.

How to save yourself if your VISA card is stolen and fraudulently used abroad

The author has had the experience of being fraudulently fraudulently used in the United States, but at that time, I couldn’t find any helpful posts on the entire Internet. I tried to cross the river by feeling the stones to save myself, so I came up with the idea of ??sharing my experience with friends who need it, so that everyone can avoid detours.

Visa credit card is a credit card that can be used across countries in multiple currencies. Basically every friend who goes abroad will hold one. It is a magnetic stripe card, which is less secure than the chip savings cards we usually use, and has greater information security risks.

Its security risks are mainly reflected in two aspects: First, if the consumption amount is less than 100 US dollars, you do not need to enter the password set when applying for the card on the POS machine when using the Visa card abroad. , you need to sign the receipt.

Second, there is a three-digit cvv on the back of the Visa card. As long as you know these three-digit password, plus the one on the front of the card and the validity period of the card, you can use this information to make purchases online without using Visa. card itself.

Then let’s talk about the author’s tragic experience of having his Visa card stolen and his clever self-rescue process.

The author is a poor exchange student. In the second month after arriving in Missouri, the information on his visa card was leaked. Criminals used the information on the card to steal a sum of $180 online. Consumption, God knows how desperate I feel when I can’t bear to eat or wear clothes, but I’m being robbed by misfortune. So, I took the following steps:

Firstly, I saw the global 24-hour hotline on the back of the Visa card. I called the phone and informed the operator that my card information was leaked and swiped. situation, request them to freeze the card through the bank in time to prevent secondary theft.

Secondly, in order to confirm whether the Visa card is really in my hand and has not been lost, the bank requires me to find a POS machine at my location within 24 hours to swipe the card once, so that the bank can receive the "last number" The message "The credit card for xxxx failed to be swiped somewhere in Missouri, USA at what time". First, it proves that the card is in the author's hands, and second, it verifies that the card has been successfully frozen by the bank. The author suggests that when you encounter this situation, it is best to find a self-service vending machine, so that you can swipe the invalid card generously!

Thirdly, the time when the author encountered fraud coincided with China’s National Day, so the bank’s Visa center was also on a shift system. Although it was urgently filed, there were still limited manpower. In addition, the US$180 was too much for all kinds of large banks. The case is really a small amount of money, so if you just rely on and trust the bank, maybe whether the money can be recovered is really left to chance. The author is a person who has never been afraid of trouble, and has always believed that there must be more solutions than difficulties, so he started on the road to self-help.

Fourthly, everyone should have heard of the mother-child card. In other words, the author’s Visa card is the parent’s supplementary card. Through the parent’s bank app, you can check the author’s card consumption records and store names, etc. Related information. With the help of foreign aid from my hometown, I found out that the store where the criminals bought goods was an official online clothing store, so I found the store's email address through Google (the United States attaches great importance to the use of email addresses), and edited an email about the author's credit card It was stolen. This order was not my intention but was fraudulently stolen. I hope the merchant can help intercept the logistics and cancel the order. The content of my letter is for your reference below:

Hi,Ireceivedamessagethatmycreditcardhadaconsumptionfor180dollarsat7.29pmon9/30/2019.Thatisnotme!Idobelievethatmycreditcardnumberhasbeencausedbyinternethackerstointerceptandthenbeingfalselyfraudulent.

Iimmediatelycontactedthebanktofreezethecreditcard.PleaseDONOTdeliver thegoodswhichisnotboughtbymyselfandreportthisaccidenttothepolice.Mycreditcardnumberisxxxx,MynameisCrab Cookies,Mycreditcardbankcustomerphonenumberisxxxx .

Ihave reportedtothebankandtheChinesepolice.Itishighlyappreciatedthatifyoucansupportdealingwiththecrime.

Thankyouverymuch!Hopeyoucanreply!

A few very noteworthy points are:

First, if If you want your email to be discovered by merchants faster, you should have an eye-catching title. For example, I set the email title as "Urgentfraudulentaboutcreditcard", which means urgent credit card fraud.

Second, you must clearly write your name and the time of the fraud in the email.

Third, there is no need to worry that American businesses turn a blind eye to such incidents in order to make money, because they will bear huge compensation if exposed. However, from an insurance perspective, I mentioned this matter in the letter. Already reported to the police and attached the visa card global 24-hour hotline number, which can increase the merchant's attention to the matter.

Finally, I sent the email the night before and received a reply from the merchant the next morning. Not only did they close the order for me and recover the $180, they also informed me of the suspect’s specific information. The merchant was very kind to me for providing it to the police. He thanked me for informing them of this theft case and said that if the police needed to further investigate, they would definitely cooperate. At the same time, I am particularly grateful to the United States for its slow delivery speed, which gave me more opportunities to race against time.

Attached is the merchant's reply:

Hello,

Thankyouforinformingusaboutthefraudulentorder.

We'vealreadyrefundedthe$180chargebacktoyourVisaendingin7564aswesuspecteditwasanauthorizedcharge.

Thisisthecustomer'sinformation

xxxxxxx

If you have any other questionorneed further assistance,pleasefeelfreetoemailus.

Thank you!

This matter has come to an end, parents. For safety reasons, I was not allowed to call 911, but at least I got my money back.

Generally speaking, there are two types of Visa card fraud:

First, the card is lost, which is divided into two types. One is small fraud under 100 US dollars. A signature is not required for fraudulent transactions of a large amount; the other is for large-amount fraudulent transactions of more than 100 US dollars, which requires a signature. Having fonts as evidence will be easier to deal with and solve than direct plagiarism.

The second is the information leakage that the author encountered. Later, after my recollection, I thought that the three-digit CVV password on the back of the card was accidentally photographed by a surveillance camera while swiping the card in the supermarket. I also recommend that everyone remember it. After applying the CVV, use correction fluid to remove it to prevent the relevant information from being captured by the camera.

Here is another safety tip that many people don’t know. There is a function called “security lock” in the bank app, which is specially designed for credit cards. When you are not using your credit card, turn off the credit card consumption function through the app; when you need to use the credit card to make purchases, turn on this function through the app. It's a bit like being able to control whether to freeze a credit card. Although it sounds a little troublesome, it can indeed ensure the safety of your assets.

The author particularly hopes that no one will encounter such a bad thing, but if it does, I hope this article can help you save money.

Don’t be afraid of difficulties and troubles, because it can increase our conversation in the future and make you a person with a story. The author is particularly proud that he was able to save himself successfully and wrote this article to help more people who are drifting away! So don’t be stingy with your rewards!

Weibo: These are crab-flavored cookies

Public account: Diary of studying abroad in the United States

Station B: Have you eaten your cookies?

Six steps to prevent theft of credit cards abroad

The daughter of a mother who is very popular on Weibo is studying abroad, and her credit card was stolen for $500. Credit card security has always been an issue that cannot be ignored. So as an overseas person or a friend traveling abroad, how should you prevent credit card theft? What about risks?

First, activate the SMS reminder function. Once a suspicious transaction is discovered, the bank will be notified immediately. It is recommended to unlock your credit card password before going abroad, because you cannot enter the password when using a mainland bank credit card overseas. If the card has a password, the bank defaults to authorization from the cardholder, so if fraud occurs, the bank can easily shirk responsibility.

Second, sign your name on the back of the credit card and swipe the card with your signature. In this way, even if the credit card is stolen, since it is not your signature, the merchant is responsible for bearing the risk of swiping the card.

Third, write down the last three CVC numbers on the back of the credit card and scratch them off. These three digits are security numbers, and even the card issuing bank may not know them. Therefore, as long as the cardholder remembers the security code and then scratches it off, the risk of online shopping fraud can be greatly reduced.

Fourth, it is necessary to develop good credit card swiping habits. When using cards externally, remember not to let the card leave your sight. In particular, do not give your card to a waiter in the store to swipe it easily, and keep the card with you to avoid the card being stolen or the card information leaked.

Fifth, try to choose formal online shopping channels, such as Amazon.

The sixth step is to create conditions and apply for local bank credit cards as early as possible. Although it is not as convenient as directly swiping a mainland card, local credit cards can help accumulate personal credit and are less likely to be stolen.

This ends the introduction on what to do if a foreign credit card is fraudulently used and what to do if a foreign credit card is fraudulently used. I wonder if you have found the information you need?