What should I do if my credit card has been stolen? How to deal with it urgently if my credit card has been stolen?

1. Call the customer service of the card issuing bank immediately and explain that the credit card has been stolen overseas. The customer service will be at your doorstep. After verifying the identity, the credit card will be frozen to prevent further fraud.

2. Then the customer service will ask for evidence collection to prove that the card is with you and the off-site consumption has nothing to do with you. Then you can make an inquiry at a nearby ATM machine, because if the card is frozen, the transaction will fail, and you need to save the receipt of the failed transaction as a voucher.

3. After the bank proves that the credit card has indeed 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 cleared, the bank will ask the settlement party to cancel the transaction. , and then the stolen money will be returned to your account. In this case, your money may be returned.

What to do if your credit card is stolen

1. Freeze. Call the customer service hotline to freeze your credit card and stop all transactions. 2. Call the police. If the police files a case, a receipt will be issued and the cardholder should keep it properly. 3. Obtain evidence. The purpose of swiping a card to make purchases, checking balances or withdrawing cash is to prove that the stolen card is indeed in the possession of the cardholder. If you are worried that you will not be able to collect evidence after the card is frozen, you can collect evidence first. 4. Appeal. Before the problem is solved, in theory, the cardholder needs to repay the loan normally, which can also avoid the impact on the credit report due to overdue payment. At the same time, the cardholder can contact the card-issuing bank to apply to cancel the fraudulent consumption, and the bank will give a reply within a certain working day. Article 266 of the Criminal Law: If the amount is relatively large, the person shall be sentenced to not less than three years, criminal detention or public surveillance, and may also be fined or solely; if the amount is huge or there are other serious circumstances, he shall be sentenced to not less than three years and not less than 10 years. If the amount is particularly huge or there are other particularly serious circumstances, the offender shall be sentenced to not less than ten years or shall also be fined or have property confiscated. If this law provides otherwise, the provisions shall prevail.

How to deal with a stolen credit card? Take these four steps to stop losses in time!

It is not uncommon for credit cards to be stolen even though they are with you. Although no one wants this to happen to them, if it does happen, they cannot ignore it, otherwise the consequences of doing so will increase your losses, and you may also be responsible for the stolen money. So, what should you do if your credit card is stolen? Let’s take a look at the four-step stop loss method.

The first step is to freeze your credit card immediately

If you have the card on you but receive credit card consumption text messages one after another, there is no doubt that your credit card has been stolen by someone else. . Therefore, you should use the reserved mobile phone number to call the customer service hotline of the card issuer as soon as possible, transfer to manual customer service, and ask the customer service to freeze the credit card. Once a credit card is frozen, others can no longer make fraudulent use of it.

The second step, collect evidence

This collection of evidence mainly means that when the credit card was stolen, you and your credit card were not at the place where the credit card was stolen, to prove that the credit card was stolen. It was not your fault that it was stolen. The method of obtaining evidence is very simple. When operating at an ATM machine, remember to stay at the camera for a period of time so that the evidence can be captured and evidenced that the operation was performed by yourself. After the operation, keep the receipt of the transaction.

The third step, go to the police station to call the police

Then take the evidence you collected and call the police. Some friends will say that if the amount of fraud is small, the police will not file a case, and calling the police will be useless. If you think so, you are wrong. You must know that the purpose of calling the police is not to let the police help solve the case, but mainly to get the report receipt. After all, the key evidence for filing a case is to complain to the bank!

Be aware that when you go to the police station to call the police, the police may shirk the responsibility and don't want to accept the case. As long as you call the police in the right place, you can follow the "Where to report a stolen credit card?" What should I do if the police station refuses to accept my application? "Do it as mentioned. No matter what, you must get the receipt before giving up.

The fourth step is to appeal to the card issuing bank

After completing the above work, the next step is the most important step, which is to submit the compiled information to the bank for appeal, in order to let the bank Consumption that has been stolen will be cancelled. The card issuer will send the case to the credit card anti-fraud department depending on the situation, and will usually respond within about 3 working days. If the appeal is successful, you will not have to pay for the stolen money.

In short, you should not panic when your credit card is stolen. Only by following the four-step stop-loss method introduced above can you recover your losses to the greatest extent.

It should be noted that if the appeal result has not yet come out, but your credit card repayment date has arrived, then you need to advance the stolen money first, otherwise the overdue payment will affect your credit.

That’s it for the introduction of what to do if your credit card is stolen.