In fact, the carelessness of the cardholder may cause others to swipe their credit cards, but they may not be willing to pay back the money. Therefore, many people want to prove that the credit card has been swiped by others and let the bank find the actual cardholder to pay back the money. Then how do you prove that someone else swiped the credit card? Let's study together.

As we all know, there are two ways to swipe a card, one is to steal it without the consent of the cardholder, and the other is for the cardholder to lend it on his own initiative. Different cases, different ways of obtaining evidence, and different processing results. When the credit card is stolen by others, it is necessary to prove that the credit card is in hand and the transaction is not the cardholder himself.

Generally, someone will report the loss immediately after swiping the card, and then take the credit card to the nearest POS machine to operate at will. Because the card is passively frozen after reporting the loss, there will be errors in the transaction voucher. If you get the voucher, you have to go to the local public security organ to report the case and get the receipt of the report. This voucher+declaration receipt, plus detailed credit card consumption, is a good proof.

Send the certification materials to the credit card center, and after verification by the risk control personnel of the credit card center, you can get compensation from the bank. If no compensation is obtained, the cardholder can bring a lawsuit to the court. However, after winning the case, up to 7% of the debts were stolen when the arrears were recovered, and the cardholder was responsible for 30% of the repayment due to problems such as password leakage caused by unfavorable credit card protection.

Credit cards are lent to others by cardholders, and it is difficult to obtain evidence because of the cardholder's permission.

Some people may check the consumption records of other people's credit cards, but they are not actually using them. In other words, from the moment the cardholder lends his credit card to others, he should be psychologically prepared for others to swipe it. Even if he doesn't swipe his card, the cardholder will repay it.

After all, the credit card has not been stolen, but it is also a direct economic dispute between the cardholder and the debit card. The cardholder can sue the debit card and demand repayment. Regardless of the outcome of the prosecution, once a ticket is issued, the cardholder must repay it himself first, otherwise it will be recovered by the bank and affect his credit.