Recently, an immigrant in the United States suffered a loss of more than 10,000 US dollars due to his negligence when using his domestic credit card, which resulted in his credit card being swiped. In the United States, credit cards have become one of the most popular payment methods for consumers and merchants due to their convenience. However, with the popularity of credit card use, security risks have also surfaced. Especially for new immigrants who have just settled in the United States and have not fully integrated into the new environment, the security risks associated with using credit cards are often more obvious. Therefore, understanding how to avoid credit card information theft and how to take correct preventive and remedial measures when credit card security risks occur can provide a good guide for the majority of new immigrants to the United States.

Credit card theft is generally divided into two situations: one is that the real card is stolen, and the other is that the counterfeit card is stolen. The real card is stolen, as the name suggests, the cardholder's credit card is held and used illegally by others. Theft of counterfeit cards means that the cardholder's credit card information is obtained by criminals and used as a copy of the cardholder's credit card. There are two main reasons why counterfeit cards are stolen: first, credit card information is leaked on illegal phishing websites or public places; second, no precautions are taken during the use of credit cards, allowing criminals to take advantage of it. The user's credit card information was obtained using a terminal card reader.

In the United States, if it is a local credit card, no matter what form of fraud it is, the cardholder must first contact the bank where the card was issued and the bank's credit card center to freeze the stolen credit card. Normally, the local bank will contact the credit card center and the merchant who used the fraudulent credit card to negotiate a solution without the participation of the cardholder. Once the information is verified to be correct, the bank will refund the full amount of the stolen money. If a large amount of money is stolen, you can report it to the local police and use the police to assist in recovering the money. However, if a domestic credit card is stolen abroad, the recovery procedure is more cumbersome.

Therefore, here are some suggestions for immigrant friends: 1. If you already have a credit card from a local bank in the United States, you should try to use a local credit card for payment when making purchases, so as to simplify the processing procedures after the safety hazard occurs and reduce as much as possible. own economic losses. Second, you should be more aware of precautions when using credit cards to pay in stores, and try not to let credit cards out of your sight so that criminals can take advantage of them. Third, if you need to use a credit card to pay online or over the phone, be sure to confirm the safety and reliability of the other party's identity.