What should I do if my credit card has been stolen?
1. Report the loss in time:
After discovering that my credit card has been stolen, the cardholder must call customer service to apply for reporting the loss.
2. Collect evidence of stolen swipes:
The cardholder goes to the ATM, inserts the credit card, enters the password, checks the previous transaction records, and prints out the transaction records of stolen swipes.
3. Negotiation with the bank:
The cardholder goes to the outlet of the business hall of the issuing bank with the transaction record and ID card, and asks the staff to negotiate and ask the bank to repay the debts that have been stolen, and to issue a certificate of stolen credit.
4. Report to the public security organ:
If the amount of stolen brush is very large, the cardholder can go to the local police station to report the case, submit relevant evidence and ask the police to help recover the money owed by the stolen brush.
according to different card issuers, it can be divided into bank cards and non-bank cards
bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.
non-bank card. This kind of card can be divided into retail credit card and travel entertainment card.
according to different issuers, it can be divided into corporate cards and personal cards
corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.
personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.
gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status.
according to different payment methods, credit cards can be divided into credit cards and quasi-credit cards
credit cards. It is that when the issuing bank provides bank credit, it overdraws first, and then repays or pays by installments. Most of these cards are used in international circulation.
quasi-credit card. It is a credit card issued by the bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance for backup. The cardholder needs to use the card on the basis of the deposit balance, and generally overdraft is not allowed.
according to the different circulation scope of credit cards, they can be divided into international cards and regional cards
international cards. International card is a kind of credit card that can be used outside the issuing country and is universal.
area card. Regional card is a kind of credit card that can only be used in the issuing country or in a certain area. Most credit cards issued by commercial banks in China belong to regional cards.
what should I do if my credit card is stolen?
Once a credit card is stolen, three measures should be kept in mind:
First, freeze or report the loss in time. Call the official customer service phone of the issuing bank as soon as you find the credit card stolen, inform the abnormal transaction, and freeze the account or report the loss of the card in time. If the third-party payment platform is involved, immediately contact the telephone to control the withdrawal of funds.
Second, report the case to the public security organ immediately. Keep the receipt of the case. Describe the stolen credit card in detail, and prove that the credit card is still kept by myself, and the stolen credit card consumption is not my own doing. Some payment institutions require cardholders to provide a receipt of the case as proof of denying the transaction.
the third is fixed evidence. Immediately make a card transaction at the nearest ATM or POS to prove that the card is not lost on you and the fixed electronic evidence witness card is not separated. If the card has been frozen or lost, the card will not be swiped successfully, and the card may be swallowed when trading through ATM. Please don't panic, just follow the relevant regulations of the bank.
Extended information
To prevent the credit card from being stolen, we should pay attention to three aspects:
First, keep it properly. Take good care of the credit card and the corresponding documents, the information and password on the credit card face, and the mobile phone number reserved when handling the card. Don't give your credit card to others or tell them your password. If you handle mobile banking or online banking, you should be vigilant when operating transactions and pay attention to account changes in time.
the second is to standardize payment. Go to a regular merchant to swipe your card. Pay attention to whether there are suspicious devices around you when swiping your card, and keep a safe distance from others when entering your password to prevent your password from being peeked at. Improve the vigilance against phishing websites, unsafe links and telephone calls, and do not enter passwords in an unsafe environment to avoid information leakage.
the third is to open SMS reminders. Try to open the credit card SMS notification function and pay attention to it at any time, keep abreast of the changes in funds, improve the response speed and prevent the loss from increasing.
what should I do if my credit card is stolen?
I should call the police and report the loss of the credit card. The cardholder does not need to pay back the principal and interest owed by the stolen credit card. If it is determined that the credit card transaction involved is a fake card transaction. Then the principal and interest involved in the case are not caused by the cardholder's breach of contract, and the cardholder should not be liable for breach of contract. However, if the cardholder fails to report the loss of the credit card after the transaction is abnormal and an alarm is given, the resulting worry-free value-added service fee for using the card should be repaid. Article 264 of the Criminal Law of the People's Republic of China, whoever commits a crime of public or private property with a relatively large amount, or repeatedly enters a house, carries a murder weapon or pickpockets, shall be sentenced to not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; If the amount is huge or there are other serious circumstances, it shall be sentenced to not less than three years but not more than ten years, and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to not less than 1 years or life imprisonment, and shall also be fined or confiscated. Legal basis: Article 264 of the Criminal Law commits a crime of public or private property, involving a relatively large amount, or repeatedly entering a house, carrying a murder weapon or pickpocketing, and shall be sentenced to not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, it shall be sentenced to not less than three years but not more than ten years, and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to not less than 1 years or life imprisonment, and shall also be fined or confiscated.
what should I do if my credit card is stolen?
first of all, you should understand that card loss protection is a policy provided by the bank, which means that the bank promises that if your credit card is stolen, you will report the loss of the credit card after you find it stolen, and the bank will pay a certain amount of compensation for the stolen credit card within a certain period of time before you report the loss.
the time for card loss protection can be 24 hours, 48 hours, 72 hours or 12 hours before loss reporting, and different banks have different regulations. Not all banks provide credit card loss protection services, and the regulations and protection limits for card loss protection are different from bank to bank.
remember to protect the 3-digit CVV code on the back of your credit card at all times. If your credit card, expiration date and CVV code on the back are not covered, this information is likely to be recorded and circulated by the clerk. According to this information, it is completely possible to consume on relevant websites. And you can't tell the bank without guilt that I did properly protect my bank information.
Make sure that your credit card has a transaction reminder service. Most banks provide a reminder service for credit card transactions. My suggestion is that you'd better have this service regardless of whether this service is charged or not. Once your credit card is stolen, you can find it in time to prevent further losses.
The following measures should be taken after the stolen credit card is stolen:
1. Contact the bank to report the loss at the first time, so as to avoid the loss from expanding, and apply for freezing the consumption money and stopping the credit card. Generally, after swiping the card, it takes a certain working time (ranging from 1 to 3 days) for the bank to transfer money to the merchant, and the money can be recovered after freezing and time.
2. Call the police immediately, and obtain the evidence that is not at the payment site and the Report Record Sheet to prepare the evidence.
3. Use "lost card protection". That is, in a certain period of time before the bank card is lost or reported lost, the bank will pay a certain amount of compensation for the losses caused by being stolen by others. The time varies from 48 to 12 hours, and the amount of protection can generally reach 15, yuan, up to 5, yuan. However, the lost card protection is only for credit cards without passwords, and credit cards with passwords are traded by passwords. Cardholders may accidentally reveal their passwords, and banks have no responsibility to protect them, but only provide timely freezing and recovery assistance.
what should I do if my credit card is stolen and swiped? What should I do if my credit card is stolen and swiped?
1. Call the customer service of the issuing bank immediately to explain that my credit card has been stolen abroad, and the customer service will freeze my credit card after verifying my identity to avoid further theft and swiping.
2. Then the customer service will ask for evidence to prove that the card is on him, and the off-site consumption has nothing to do with him. Then you can make an inquiry about taking a recent photo of an ATM machine, because the transaction will fail if the card is frozen, and you should save the failed transaction document as a voucher.
3. After the bank proves that the credit card has been stolen, it will report the situation to the anti-fraud department, which will contact the merchant to recover the money. If the funds have not been liquidated, the bank will ask the clearing party to cancel the transaction, and then the stolen money will be returned to your account. In this case, your money may come back.
How to deal with the stolen credit card
How to deal with the stolen credit card:
1. First of all, we must notify the issuing bank at the first time to report the loss of the credit card. We can immediately notify the bank that the credit card may be stolen by phone, and cooperate with the bank staff to report the loss and freeze the credit card;
2. Or call the police. After notifying the bank, you should also call the police immediately to report the details of the stolen credit card to the public security police. According to the requirements of the public security organ, go to the bank to print out the details of the credit card flow, and then go to the public security organ to report the case; At the same time, you should ask the customer service of the bank for the location of the nearest ATM, and immediately go there to operate the credit card through the ATM. At this time, because the credit card has been reported lost, it will be swallowed, so you must keep the receipt, because this operation can be recorded to prove that you and your credit card are not in the stolen place, which can be used as evidence to prove that it is stolen.
3. Once you find that your credit card has been stolen through bills, text messages, consumer emails and notices, you should immediately swipe your card at the nearest bank outlet or ATM or a monitored store, and save the voucher receipt as evidence to prove that you have the credit card and you are not in the place where the fake transaction occurred.
Extended information: According to Article 177 of the Criminal Law, anyone who interferes with credit card management under any of the following circumstances shall be sentenced to not more than three years or criminal detention, and shall also, or only, be fined not less than 1, yuan but not more than 1, yuan; If the amount is huge or there are other serious circumstances, it shall be sentenced to not less than three years but not more than ten years, and a fine of not less than 2, yuan but not more than 2, yuan shall also be imposed: (1) Holding and transporting a counterfeit credit card knowingly, or holding and transporting a counterfeit blank credit card knowingly, with a relatively large amount; (2) Illegally holding other people's credit cards, with a relatively large number; (3) fraudulently obtaining a credit card by using a false identity certificate; (4) Selling, purchasing or providing others with forged credit cards or obtaining credit cards by fraudulent identification. Whoever steals, buys or illegally provides credit card information of others shall be punished in accordance with the provisions of the preceding paragraph. Any employee of a bank or other financial institution who commits the crime mentioned in the second paragraph by taking advantage of his position shall be given a heavier punishment.
This concludes the introduction of how to handle stolen credit cards and whether stolen credit cards can be recovered. Did you find the information you need?