How can the credit card in your hand be stolen?

When criminals steal credit card related information, criminals can still steal the card even if the card is still in the user's hand. The main reasons for fraud are that other people's ID cards were used when applying for the card, criminals obtained the credit card information, and the cardholder accidentally disclosed the password, etc. It is best for users to replace their magnetic stripe cards with chip cards to improve the security of their credit cards.

Also close small-amount password-free payments, and try to require a password for every purchase. This way, even if the card is dropped and picked up by others, you still need to enter the password before you can make a purchase.

How to protect personal information by filling in information when applying for a card

1. Fill in your frequently used number on the application form via mobile phone

The mobile phone is used to activate the credit card and set the credit card password main tool.

The bank will also send credit card-related text messages to the mobile phone number reserved by the customer. If the application form fills in someone else's mobile phone or company group number, there are hidden dangers. Once other people get the card, they can activate and use the card. They can also know the card status in real time through text messages and handle various voice self-service services through the mobile phone number, which will lead to the risk of card theft due to leakage of card information. It seems to be a good habit to have your mobile phone with you at all times.

2. Fill in your usual mailing address

The credit card letter includes highly private information such as the credit card, validity period, verification code on the back of the card, and credit limit.

If the mailing address is not your usual address and the card is intercepted or falsely claimed by others, the direct consequence of the card information being leaked is theft; after applying for a card, follow the official website at any time to check the progress of card application and card mailing in real time. situation to prevent others from pretending to claim it; also remember to fill in your email address that you commonly use, and try to avoid filling in your work email address.

3. Be wary of the “boss” digging holes for you

Currently, young people have become the main customer group for credit cards. Who doesn’t have a credit card would be embarrassed to go out and play! Young two-dimensional people seem to be keeping up with the trends of the times, but they really lack social experience and are easily deceived. When you first join the company, your "boss" tells you that you have business dealings with the bank, and insists that you fill out a credit card application form, use the company's office mobile phone as a reserved mobile phone number, and even take a photo of your application form as a souvenir. Jiaojiao reminds you that this is very unscientific, please SAYNO! Otherwise, fraud is just around the corner.

4. Indicate the purpose on the copy

When applying for a card, it is inevitable to submit a copy of your ID card and work permit. However, there are people specifically watching them. Jiaojiao also wants to tell you that when providing a copy of your personal ID to apply for a credit card, it is recommended to indicate the purpose of use on the copy, for example: "Only for applying for Bank of Communications credit card". Prevent copies of ID documents from being used for other purposes.

What should I do if someone borrows 20,000 yuan from my credit card? If you want to recover your losses, you can do this!

Card holders often encounter situations where their credit card is lost and someone else picks it up and swipes it, causing losses to themselves, and they may also pay for the stolen money. There was a netizen who posted online saying that someone stole his credit card and swiped 20,000 yuan. The bank sent him a text message asking him to repay the money. He didn’t know what to do? Here are some tips for you.

What should I do if someone borrows 20,000 yuan from my credit card?

First of all, if you find that your credit card has been lost, you should call immediately to report the loss of your credit card after it has been stolen. If your card issuing bank is China Merchants Bank, Bank of Communications, CITIC, Industrial, Shenzhen Development Bank, China Guangfa, Bank of Beijing and China Everbright Bank These banks generally have card loss protection. As long as your credit card is stolen by someone else within 48 hours before reporting the loss, you can apply for compensation from the bank, but the compensation amount is not necessarily the amount stolen.

If you want to recover all the losses, after reporting the loss of your credit card, you must go to the local public security agency to report the case. You must know that someone else picking up your credit card and using it is an act of fraudulently using someone else's credit card, and you A credit card worth 20,000 yuan was stolen, and the law stipulates that fraudulent use of other people's credit cards for an amount exceeding 50 million yuan can constitute a credit card crime and requires criminal liability.

I once saw a piece of news saying that someone picked up a credit card with a password written on the back on the road, so he took the credit card and went to the supermarket to swipe it to buy things, and then withdrew cash from an ATM machine.*** After spending 5,000 yuan, the owner reported it to the police and was arrested.

However, it should be noted that even after catching the person who was cheated, if that person refuses to repay, then you may still have to repay the stolen money, and if you If you fail to repay the credit card bill amount within the final payment date, your personal credit will be affected by the overdue payment.

The above is the relevant introduction to "What should I do if someone picks up my credit card and swiped 20,000 yuan?" In short, if someone picks up your credit card and swipes it, if the amount is more than 5,000 yuan, it can constitute a credit card crime. What you are discovering After your credit card is stolen, go to the bank to report the loss as soon as possible, and then call the police. However, if the credit card thief fails to repay, you may need to pay back the credit card yourself first, otherwise overdue credit will be affected.

My Bank of Communications credit card has been stolen online. What should I do?

1) Contact the bank to report the loss as soon as possible to avoid further expansion of the loss and transfer the responsibility after the loss is reported to the bank.

2) Immediately call the police and obtain evidence of alibi and the "Report Record Sheet" to prepare evidence.

3) Contact a lawyer immediately to minimize possible risks. Don't worry that contacting a lawyer will take too much time. For a simple case, a lawyer can generally clarify the ins and outs within 5 minutes and give corresponding opinions.

4) Repay the loan according to the agreed time.

At present, there are great differences in the judgments about who should bear the responsibility after the credit card is stolen. In the same situation, some judgments are borne entirely by the merchant who swiped the card, and some judgments are borne entirely by the cardholder. Some judgments are borne by the credit card holder, 50 or 30, and others are borne by the card merchants and banks.

My Bank of Communications credit card has been stolen and the bank is urging me to repay it. What should I do?

1. For this matter, you should repay the principal and interest of 13,000 yuan.

2. When applying for a credit card, you should read the terms of use, including: Regarding the loss report, after reporting the loss of the credit card, it takes a period of time to confirm whether business has occurred. To put it simply: after you report the loss of your credit card, during the period of waiting for confirmation, if any business occurs, the cardholder must bear the responsibility!

Although I sympathize with your experience, you cannot win this lawsuit! I have been working in a bank for 20 years and I have seen this happen many times.

This is the end of the introduction about Bank of Communications credit card being stolen and Bank of Communications credit card being stolen for one dollar. Did you find the information you need?