What to do if your credit card is stolen

1. Report the loss. No matter how you discover that your credit card has been stolen, the first step is to call the bank's customer service number immediately to report the loss. In fact, reporting the loss is the most important, so that you can enjoy the lost card protection service launched by the bank. 2. Go to machine A to check the money. After reporting the loss, you don't need to replace the card first. Instead, you can go to the nearest A machine to find out your credit card balance. At the same time, this is also the most favorable evidence to later prove that the card is with you and your location, because the bank can retrieve it. Your inquiry records and video can prove that you were not at the scene of the crime at that moment, and you also had the card with you. 3. Request the bank to provide important documents. Find a location with a fax machine, use the fax machine phone to call customer service again, and ask customer service to help you fax two important documents. "Account Inquiry Statement" and "Additional Instructions for Non-Personal Transactions". 4. Report the crime. Usually when you report a crime to an ordinary police station, they will not accept it and will pass the blame on each other. The card owner can report the crime directly to the police station of the card issuance center in the city where the card was applied for. If you do not know the area to which the card belongs, you can call customer service and ask him to provide you with the area. The purpose of reporting a case is to help you add evidence to the bank's chargeback application process and increase the possibility of a successful chargeback application. Article 264 of the "Criminal Law of the People's Republic of China" Article 264: Those who possess public or private property, the amount of which is large or multiple, shall be sentenced to not more than three years, criminal detention or surveillance, and shall also or solely be fined for a huge amount or if 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 three years and not more than ten years, and if the amount is particularly huge or there are other particularly serious circumstances, he shall be fined not less than ten years or not, or his property may be confiscated. Paragraph 3 of Article 193 of the "Criminal Law" stipulates: Anyone who uses credit cards concurrently shall be convicted and punished;

What to do if a credit card is stolen? 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.

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.

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