There are frequent cases of overseas credit cards being stolen and swiped, so it is necessary to protect the important information of credit cards, such as cash withdrawal password and security code, and strengthen the daily use safety of credit cards, such as not spending credit cards in smaller businesses and not going to phishing websites.

If your credit card is stolen, don't lose your temper. Freeze the credit card first, and then apply for a refund from the bank credit card center. Generally speaking, the time spent in China and the time spent in applying for payment and recovery services do not exceed 120 days, and the time spent abroad does not exceed 180 days, which are all effective payment and recovery periods. Customers can ask the bank to help them track down the funds in question.

After applying for the collection service, the bank will track the customer's problem consumption account and generally reply to the tracking result within 45 days. Once it is verified that the cardholder's credit card has been stolen, the bank will be responsible for compensating this part of the loss. If the customer repays all or part of the stolen money during the bank tracing period, the bank will also refund the arrears paid by the customer after verification. On the contrary, if the cardholder is suspected of cashing out in the process of using the card on weekdays, or often swipes the card at unsafe merchants, then the bank may assume that the cardholder is responsible and the stolen money will be repaid by the cardholder.