How to remedy being defrauded of a credit card

Living in the 21st century, it can be said that our lives are very happy, and now is an era of rapid development of the Internet. , the emergence of the Internet has brought about earth-shaking changes in our lives, making our lives more and more convenient, but at the same time, many problems have arisen. For example, some people often have such doubts, that is, being What should I do if my credit card is fraudulently reported? To answer this question, first of all, we must make a call for help, and also learn to use legal weapons to protect our rights and interests. Let’s take a closer look below.

1 Call the rescue hotline

In our real life, things like this are actually very common, especially in some public places, such as Railway stations, high-speed rail stations and places where there is a lot of movement of people, but when we really encounter a similar situation like this, we must call the credit card center, and we should also seek business reasons from them, and we also You can call Yaoyao Ling for help.

2 Learn to use legal weapons to protect your own rights and interests

We all know that today in the 21st century is a society of laws, and now each of us is bound by the law. The law is universally binding on each of us, and if we do not abide by the law, we will otherwise be subject to corresponding legal sanctions. Therefore, when our legitimate rights and interests are violated, we can learn to use the law weapons to safeguard our own legitimate rights and interests.

So in our daily lives, we should also pay more attention to this issue, for everyone. We must be more vigilant outside. When we find that our legitimate rights and interests have been infringed, we can report the problem to some agencies, and we can also seek help from higher-level departments. The above are some of the recommendations I have summarized. Related knowledge, I hope it will be useful to everyone.

What to do if you are defrauded by a credit card salesperson

If your credit card is defrauded, you should report it to the police in time.

Take online credit card agency as an example. Online credit card agency is a common online method. Because banks have strict procedures for credit card review, and applicants must go through relevant procedures through bank staff, do not believe false information from online credit card agencies.

And there are only two ways for banks to process credit cards. Apply at the bank counter or through the bank's official website, and you must also have relevant financial certificates. In particular, banks will have strict risk controls. If you want to apply for a credit card with an overdraft limit of more than 100,000 yuan, you must not only own a house and a car, but also have a certain amount of deposit in the bank where you apply.

Even if the bank calls, the bank’s customer service number only has 5 digits and no area code. If there is an area code in front of it, it is usually a phone number, remind customers not to believe it.

What should I do if my credit card is defrauded?

For the purpose of illegal possession, by fabricating facts or concealing the truth, this is the act of defrauding large amounts of public and private property. If the amount reaches 3,000 yuan and meets the criteria for filing a crime, he will be held criminally responsible according to law and be sentenced to not more than three years, criminal detention or surveillance, and may also or solely be fined. Article 266 of the "Criminal Law of the People's Republic of China" If the amount of public or private property is relatively large, the person shall be sentenced to not more than three years, criminal detention or surveillance, and shall also or solely be fined; if the amount is huge or there are other serious circumstances, If the amount is particularly huge or there are other particularly serious circumstances, the offender shall be sentenced to not less than 10 years or more and shall also be fined or have property confiscated. If this law provides otherwise, the provisions shall prevail. "Interpretations of the Supreme People's and Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in the Handling of Criminal Cases" Article 1 If the value of public or private property is from 3,000 yuan to more than 10,000 yuan, from 30,000 yuan to more than 100,000 yuan, or more than 500,000 yuan, It should be determined as "relatively large amount", "huge amount" and "especially huge amount" as stipulated in Article 266 of the Criminal Law. The senior people's procuratorates of all provinces, autonomous regions, and municipalities directly under the Central Government may, based on the economic and social development conditions of their respective regions, jointly study and determine the specific amount standard for implementation in their respective regions within the amount range specified in the preceding paragraph, and report it to the Supreme People's Procuratorate and the Supreme People's Procuratorate for the record. .

How to call the police if you are defrauded of 300 yuan when applying for a credit card?

If you are defrauded when applying for a credit card at home, you should seize the time to call the police and explain the situation in detail. In order to avoid personal arrears caused by the leakage of personal information in the later stage, you can have a report record from the Public Security Bureau to show that you were deceived and the fees owed have nothing to do with you. And call the customer service of the bank to which the credit card belongs as soon as possible to check whether there is a record of applying for a credit card in your name, and cancel the credit card application in a timely manner.

For credit card approval, you need to bring your personal valid ID to the bank counter to apply. You can also contact the credit card staff to apply for a credit card. When applying to a staff member, you must verify the staff member’s identity information in advance to avoid being deceived. Applying for a credit card is free. Do not trust any advertisements that guarantee approval for large credit cards. You must apply for a credit card through formal channels.

Once you find that you have been deceived when applying for a credit card, you must seize the time to report to the police, detail the relevant situation of the applicant, and the relevant information provided by the individual, and leave a report record in the Public Security Bureau. This can ensure that once personal information is leaked or a credit card is stolen due to being deceived, it can be effectively proved that the debt is not caused by personal reasons, which can reduce personal economic losses.

And for credit cards processed through informal channels, after the credit card is approved, the handler will fill in the credit card collection address to his/her address. After the card is opened, credit card fraud will be involved. After this happens, the owner of the credit card must call customer service immediately to inform them that the credit card has been stolen, and ask the bank to freeze the credit card and call the police as soon as possible to wait for detection by the public security organs. Although the law stipulates that credit card debts in an individual's name must be repaid by the individual, but if fraud is involved, the debt can be recovered through detection by the public security organs and reduce part of the individual's losses. Therefore, if the credit card you apply for at home is defrauded, you should seize the time to call the police to reduce personal losses.

This is the introduction of what to do if your credit card is defrauded.