It is not uncommon for credit cards to be stolen in other places. A few days ago, some netizens posted that if you find that your credit card has been stolen from another place, you should immediately go to a nearby ATM or POS machine to withdraw cash or make purchases, so as to leave a certificate explaining the difference between the location of the credit card and the place where the credit card was stolen. Is this method of evidence collection effective? A staff member of the Luoyang office of a state-owned bank's credit card center said that in the event of credit card fraud, the entire claims process requires the coordination of the insurance company, the public security agency, and the bank. It is difficult for the bank to provide compensation based solely on the cardholder's unilateral evidence. recognized. Even if you go to a nearby bank to swipe a card or withdraw cash, it cannot prove the cardholder's innocence. The staff member said that this evidence could not rule out the possibility that the cardholder colluded with others to swipe the card.

Wei Xiaoming, a lawyer at Henan Huiren Law Firm, believes that there are two ways to proactively provide evidence: If a credit card is stolen in another place, the cardholder can report the loss or freeze the card as soon as possible. , then take the card to the card-issuing bank to identify the authenticity, and take photos or videos; if there is no card-issuing bank nearby, the cardholder can withdraw cash at the nearest ATM machine or swipe the card at a regular merchant POS machine, and keep image records.

Industry insiders suggest that once cardholders notice that their credit cards have been stolen, it is best to call customer service to report the loss as soon as possible, because this is the most formal and effective method. The recording of the customer service call can be used as a basis for the police to solve the case.