With all the requests from the only best friend I admit who is a loser, and after he strongly stated that he would use one-tenth of the huge bonus for the best communication he had just received to treat me to a big dinner. , I decided to write about the exciting scene that he had been waiting for for a long time - how I recovered the money after being robbed abroad.
On December 31, 2014, I received a call from the Bank of Communications Credit Card Center to confirm that the money had been stolen in France. They finally informed me that it was confirmed that it was not my consumption, so the money would be transferred to the bank. bear. This means that 2014 has come to a perfect end.
Shopping in Paris is so exciting that I just hand over my credit card everywhere I go, completely forgetting the advice of my mother-in-law Dongjiang: never let go of your card. On my sixth day in Europe, I was in Brussels. After swiping my card locally to buy chocolates, I went back to check my online banking and found that the two purchases of 1,000 euros were not my own purchases. At that time, my head was buzzing. I, a cautious and careful person with a very good character, also suffered from fraud. I took a breath, called the Bank of Communications Credit Card Center, froze the account, and denied the transaction. He calmly said to the customer service: Do I need to call the police? The customer service was stunned for a moment and said, "How about you report it?" After hanging up the phone, I called domestic 110 to call the police. The police officer who answered the phone said: You were robbed overseas and you are also overseas. You need to report it to the local police. I had done a legal program before, and it was said that the police must be called, so I said, please record it, and the other party agreed. After hanging up the phone, I thought about it carefully. I probably gave the card to the seller when I was applying for a tax refund when I bought a polo sweater in the European Valley. When he went to apply for a tax refund, he took out his mobile phone. It was probably stolen at that time. There was nothing else to think about. I fell asleep and had no dreams all night. When I woke up the next day, I suddenly remembered that after freezing two credit cards, I only had 5 euros and a few bucks. I am now poor. , I can’t afford any gifts or anything like that. I thought about it and decided to go to Bruges. I didn’t have much fun here, so I’m extremely grateful to my fellow traveler for treating me to dinner, and to Teacher Wang Lei for giving me some pointers and asking me to insist on asking for money from the Bank of Communications.
On the first working day after returning, Bank of Communications officially intervened in the case and told me that just when I flew back, the bank card was used again. Fortunately, it had been frozen, otherwise it would have been another huge loss. . Then, the Bank of Communications asked me to sign a statement denying the transaction, and took pictures of the front and back of the credit card to prove that the card was still in my hand. It also asked me to go to the police station to take notes, and get the alarm record and the name and phone number of the police officer who received the call. There is a big bug here. There is no counter for Bank of Communications credit card processing. Everything is done by phone. The police station asked me to provide the card payment details, but the two amounts have not been billed. Bank of Communications cannot provide the bill. I have to Print from online banking or answer phone faxes. Since the credit card was frozen, no information could be retrieved. There was only a fax, and the fax was by voice. After being connected, it took a long time to send the bill. The Bank of Communications stated that they could not guarantee when the bill would arrive. I was a little angry. The Bank of Communications asked me to send all the information to them before I got off work that day. However, they could not provide me with the bills necessary to receive the police report. I had no choice but to go to the police station. The old policeman who answered the call was very nice and said that almost every day I came to the police to report that my credit card had been stolen and I must insist on asking for money from the bank.
After doing this, I made a phone call almost every day to follow up on the incident. I contacted the customer service person who handled my incident and called her every day. Half a month later, the first news came. It was confirmed that a large-amount transaction was used to rent a car. It had not yet been recorded in the account but had been recovered. A smaller amount had been recorded in the account. They were all online transactions. First of all, the card is in my hand. Although the visa card I applied for does not have a password when making purchases, it must have a signature, right? Even for online transactions, there must always be SMS verification, right? Moreover, when I opened the card in Belgium, if the bank discovered the overseas transaction, it had to call me to confirm, and there was no such phone call. It's so easy to steal money because your bank has a loophole. I emphasized these points and was prepared to go to court with the Bank of Communications. It was not my fault and I will never admit it.
Soon, it was the day when the bill was issued. The two doubtful transactions were excluded and showed that they were still being processed. I paid the due amount.
Finally, with my persistence, on the last day of 2014, the good news came that my money was coming back.
Through this incident, I summarized it. First, any credit card requires a text message reminder. I was in a hurry to go out and applied for the card in a hurry. I didn’t have time to open it. At that time, I was told to get a chip card. It is much safer than a magnetic stripe card, but unfortunately, I don’t know why I didn’t get it. Especially for cards with Visa and Master functions, you must protect the last three digits of the Cvv code on the back of the card, which is equivalent to a password. You rely on this when making online purchases. It is best to cover it, or even scrape it off with a scraper, and remember it yourself. It's fine if you live in it, and it's relatively safe even if you lose it. Also, when making purchases, never let the card leave your hands. My classmate said that some people in Europe took your card and there was dust in their hand, so they printed the card number and returned it with the back facing up. , steal your Cvv code. And some POS machines themselves are fake. Once swiped, all the information will be leaked. Also, after returning to China, it is best to cancel the cards that have been used abroad, because after the information is leaked, consumption may not be immediate. It is very necessary to change your password frequently. In case of fraud, freeze the account quickly, withdraw money from the nearest POS machine, leave a receipt, and call the police. This time, I tell you from my own personal experience that you must protect your privacy, don’t be impatient when things happen, and insist on safeguarding your rights