If the visa channel of dual-currency credit cards processed domestically is stolen, the responsibility for domestic fraud lies with the cardholder, and the responsibility for foreign fraud lies with the merchants and banks.

Enable the SMS reminder function to notify the bank immediately once suspicious transactions are discovered. 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 it is easy for the bank to shirk responsibility if fraud occurs.

Write down the last three CVC numbers on the back of your credit card and scratch them off. These three digits are security numbers, not even the card issuer knows, only the cardholder can see them. Overseas online shopping is not as secure as domestic Taobao. Overseas websites only need to enter the card number, validity period, name and three-digit security number, and you can make purchases without any verification.

Students who have lived abroad for a long time can apply for a local bank credit card , although it is not as convenient as directly swiping a mainland card, local credit cards can help accumulate personal credit, and at the same time, it is difficult for criminals to steal money

After reporting the fraud to the bank, follow up from time to time. Bank of China’s service is poor and inefficient. It won't work if you don't destroy it, be prepared for a long-term struggle

When reporting a crime to the bank, collect your emotions. If you are too frightened, it is best to write down what you want to say in notes to avoid missing out. International long distance is very expensive and the bank Be firm and calm when making phone calls.