After a credit card fraud case occurs, two methods can be adopted to recover the losses: one is to use the card issuing bank, clearing agency, and acquiring agency to urgently stop payment; the other is to use the public security organs to capture the criminal suspect and investigate. Debit the account. At present, the most effective way to recover losses is still the bank's emergency stop payment. If the payment is discovered and stopped in time, the stolen funds are likely to be intercepted. Call the bank's customer service hotline to stop payment urgently. In addition to the manual customer service hotline, most banks have a one-click smart way to report loss. Cardholders can try to use this function to stop payment first.
How can cardholders reduce the risk of credit card fraud after losing it?
1. "Replace core and magnet". Bank magnetic stripe cards are less secure. Replace chip cards as soon as possible to improve security.
2. Try to use credit card or mobile phone payment when making purchases. Try not to use debit cards with large deposits to make purchases casually. Try to use credit cards to make purchases, and set limits to prevent larger thefts.
3. Properly keep bank card information and passwords. When swiping your card for consumption every day, you must keep the card in your eyes, do not let others swipe it for you, and do not give criminals the opportunity to skim information. When using an ATM cash machine, you should carefully check whether a skimming machine is installed above the card entrance and keyboard cover of the cash machine to prevent the bank card magnetic stripe information from being stolen by the skimming machine and the password from being stolen. The card number, validity period, 3-digit security code, mobile phone verification code and other information on the back of the card are all important information for credit card payment. Do not tell others, especially the digital security code on the back of the card, which is the identity verification of the cardholder. information.
4. Enable the mobile reminder function of the card and learn about the changes in the funds in the card in a timely manner through SMS, WeChat, APP, etc. Change your bank card password frequently to avoid accidentally leaking your password and causing it to be swiped. When opening the card, night locks, mirror locks, and quick payment locks can be set to effectively prevent card theft.
5. Once fraudulent use is discovered, you should call the customer service hotline of the card-issuing bank as soon as possible and report the loss with one click to avoid further losses. At the same time, quickly go to a nearby bank teller machine to inquire or withdraw cash to prove that the bank card is with you. When the theft occurs, the bank card and you are both local, and it is impossible to swipe the card for consumption in other places at the same time. Then go to the police with relevant materials. Report the case to the agency.