After finding the stolen credit card, you first call the credit card customer service center of the bank to explain the situation, freeze the card, and then go to the bank with your ID card and credit card to go through the formalities, call out the serial lock and find the place where the credit card was stolen.
Then the police can handle it. In some places, according to the relevant privacy, only the police can inquire, and individuals can't. Users can take the initiative to collect stolen evidence and recover stolen money.
1. What should I do if my credit card is stolen?
1. Call the customer service of the issuing bank immediately to explain that the credit card was stolen overseas. Customer service will freeze the credit card after verifying the identity to avoid being stolen again.
2. Then the customer service will ask for evidence to prove that the card is on him, and the consumption in different places has nothing to do with him. Then you can make an inquiry about taking a recent photo of ATM machine, because the transaction will fail if the card is frozen, and you should save the failed transaction documents as vouchers.
3. After the bank proves that the credit card has been stolen, it will report the situation to the anti-fraud department, and the anti-fraud department will contact the merchant to recover the money. If the funds have not been liquidated, the bank will ask the liquidator to cancel the transaction, and then the stolen money will be returned to your account. In this case, your money may come back.
2. After the customer discovers that his credit card has been stolen, he can print out the transaction details of the card, then find out what he has not consumed, provide the information to the issuing bank, and report the case to the local public security department.
Thirdly, the issuing bank will contact the acquiring bank for verification according to the list, collect POS signatures and check the signatures. If you find out when the card was stolen and the merchants who spent it, you can contact the merchants to ask for monitoring and find the person who stole the card. However, we also need to pay attention. Sometimes it may be because there is no monitoring installed, or it is not found in time after stealing the card, and it has been a long time since it was discovered, which makes it impossible to find out who stole the card.
4. However, as long as the issuing bank can prove that the card is not consumed by itself, but stolen, the responsibility for stealing the card is not on the cardholder, and the cardholder is not responsible for the amount stolen, and the responsibility will be borne by the acquiring bank or merchant.