The bank is responsible if the card is not lost, but the bank is not responsible if the card is lost.

Knowledge expansion:

Scamming is a type of fraud where criminals use high-tech means to copy other people’s bank cards, credit cards and passwords, withdraw cash for their own use, and cause property losses to the other party. Illegal conduct.

On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues in the Trial of Bank Card Civil Disputes". It is clear that if the user's bank card is stolen and proves that he is not responsible, he can claim compensation from the bank.

From the perspective of the main means of committing crimes, they are mainly divided into three categories: the first category is when the cardholder’s information (bank card number, password, etc.) is intercepted by illegal actors or criminal suspects due to the bank’s fault; For example, installing cameras and other equipment around the ATM machine to steal information, installing a card swallowing device on the ATM machine, and stealing the funds in the real card; the second type is the leakage of bank card information due to the cardholder's own fault, such as the loss of the bank card, The third category is the leakage of bank card information for unknown reasons, such as password leakage and the cardholder's failure to properly perform their custody obligations. For example, hackers invade the bank system and steal cardholder information to create counterfeit cards.