The disappearance of the pension from Henan Aunt Yuan’s bank card can be described as a twist and turn. After Aunt Yuan discovered that more than 3,000 yuan in pension was missing, she went to the bank. The bank said that the money had been transferred to fill the gap in the credit card. Aunt Yuan claimed that she had not applied for a credit card. The bank obtained surveillance video to prove that Aunt Yuan had indeed applied for a credit card and personally After activation, Aunt Yuan claimed that she had never used a credit card. This was strange. What was the problem and who was responsible for it? The Fourth Brother has his own opinion. He believes that the actual situation needs to be clarified before responsibilities can be distinguished. 1. Incident: The pension in the bank card disappeared

When Aunt Yuan, a retired woman in Henan, planned to withdraw money to buy medicine, she found that the 3,000 yuan pension in the card was missing. Aunt Yuan went to the bank for consultation. After checking, the bank told her that because her credit card was in arrears, her pension was transferred to cover the credit card. The credit card flow shows that starting in 2019, this credit card began to have a large number of consumption records, including beauty, buying clothes, buying bags, clubs, etc.

The aunt said that she had never applied for a credit card or made such purchases. Where did the arrears come from? The bank realized the seriousness of the problem and contacted relevant personnel overnight to retrieve the surveillance video of the credit card processing, only to find that Aunt Yuan had activated the credit card herself. In front of the evidence, Aunt Yuan had to admit that she activated the credit card by herself, but she really didn't know where the credit card was and who spent the money in it? Bank staff also said that they would retrieve the transaction details and check them one by one with Aunt Yuan. If it is confirmed that Aunt Yuan did not spend money on this card, it is very likely that it was used by others, and the bank will also cooperate with Aunt Yuan to go to the public security bureau. Report the crime. ?2. How to resolve such disputes? Who will take responsibility?

If you want to distinguish the responsibilities, you must understand the crux of it.

1. Aunt Yuan tried her best to recall where the credit card went:

I have applied for a credit card and activated it myself. She does not even remember these things, which shows that Aunt Yuan’s memory is not very good. Judging from the credit card consumption records, consumption behavior tends to be younger consumers, and it may not be Aunt Yuan’s personal consumption. Aunt Yuan should try to think back, what was the purpose of applying for this credit card in the first place? She still needs to ask her surrounding relatives and friends whether the credit card was lost or lent to relatives and friends. It would be embarrassing if she directly reported a stolen credit card and the police investigation found that she personally lent it to relatives and friends.

2. The bank should try its best to assist:

The bank can confirm that the credit card was activated by Aunt Yuan personally. It also needs to verify whether there is a record of loss report and replacement of the credit card. It depends on the bank's own work. Are there any mistakes? If there is no record of loss report and reissue, and there are no mistakes, the bank does not need to take responsibility. In order to resolve the dispute as soon as possible, the bank should assist Aunt Yuan to find out the truth of the matter based on the idea of ??serving customers. If you are unable to find out the truth, you can help Aunt Yuan call the police. It was Aunt Yuan's business to call the police, and the bank could only help because there was no evidence to prove that it was a bank error.

3. If it is found that Aunt Yuan lost her credit card and password and was misappropriated by others, the responsibility lies with Aunt Yuan. The bank does not need to bear responsibility. Aunt Yuan can only recover from the embezzler. Therefore, only after finding out the truth about the use of credit cards can we distinguish the responsibilities. According to the principle of tort liability, whoever is at fault will bear the responsibility. Of course, those who are not at fault do not need to bear responsibility.

Fortunately, this problem was discovered relatively timely. The dispute was only over 3,000 yuan. The problem was not a big loss for either party. As long as the losses were not expanded, the dispute could be easily resolved. If someone else uses your card to spend tens of thousands of yuan, and the money is squandered and cannot be recovered, you will be in trouble. 3. Tips for the elderly to use credit cards:

1. Try not to apply for a credit card. Because the income of the elderly is fixed, they are not suitable for the advanced consumption model of credit cards, and excessive consumption will become their own burden.

2. Don’t apply for a credit card just for cheap. In order to increase their performance, some banks or agencies often lure the elderly to apply for credit cards with little use by offering small gifts and promising small discounts. If the elderly are not clear about the routines, they will fall into the trap. If you are deceived into applying for a credit card, you should promptly cancel your account or call the police.

3. Credit cards that have been processed should be kept properly.

The elderly have poor memory, so they should store important documents such as bank cards and credit cards in a centralized place or give them to young people for safekeeping. It is best to close the account directly for credit cards that have no use at all.

4. Don’t lend your credit card easily. Whether you lend it to relatives, friends or children, it may cause consumer disputes. In order not to cause trouble to your children, you cannot lend it to others. Conclusion:

After much deliberation, the author believes that this dispute may still be on Aunt Yuan’s side. Someone may have tempted her to apply for a credit card, but then took the card away under some pretext. Over time, Aunt Yuan forgot what happened. What do friends think of this? Come and help solve the case too!