First, how to complain about being fooled into getting a credit card?
Users only need to bring identification documents and other certificates to the credit card issuing bank or the CBRC to complain.
If it is verified that someone else tricked the bank into doing the card, then the bank has not fulfilled its audit obligation. There is no credit card contract relationship between the bank and the victim, and the bank should bear the relevant responsibilities.
The root of the problem lies in the nonstandard credit card approval process, which leads to continuous credit card problems. Card-issuing banks should improve the credit review system and strengthen the supervision of card-issuing links; Conduct systematic training and standardized management for marketing personnel, and strictly control the issuance of cards.
Second, how to prevent others from fraudulently using credit cards?
Methods to prevent being impersonated to handle credit cards;
1, don't trust the person who handles the credit card. Many people who apply for credit cards under false names are credulous of the recommendations of colleagues, classmates, relatives and friends, and have been recruited. If you meet friends and relatives who sell credit cards to you, you really need to handle it. Don't be afraid of getting hurt. Ask in person what kind of handling channels are there. If it is a bank employee, the credibility is higher. If you handle it through those crooked channels, you must be cautious and you'd better go to the bank yourself.
There are often many people selling credit card business in the street and supermarket. Are these booths real or fake? Many scammers use credit cards to defraud people's handling fees and various credit and identification materials in these places. Be sure to check with the corresponding bank whether there are points to promote credit card business in these places.
3. Some units will collectively handle credit cards for employees. In this case, sometimes the supervisor will be responsible for collecting all kinds of information, and it is likely that the supervisor will pretend to be an agent. In order to prevent this from happening, you can handle it yourself without agency.
In addition, the information of online credit card agency is flying all over the sky, claiming that it can be done without any qualification. Don't believe these situations, they are basically cheating information and handling fees.
5. After handling the credit card, be sure to check the progress of handling the card and pay attention to collecting the cards sent by the bank. If you find that you can't collect it, please report it to the bank in time and invalidate the card to avoid being impersonated by others. Don't lend your existing credit card to others easily, and don't disclose the information of credit card online banking to others. Credit card online banking can apply for supplementary cards. If the credit is good, you can also apply for a new card, and you don't need to submit the information again. Once the credit card online banking information is leaked, it may not only be stolen by others, but also be applied for a new card and supplementary card under another name.
6. Copies of various documents and other materials are often used in daily life. You must endorse it. It's best to state the current use of copywriting with an indelible pen. If he uses it, the copy is invalid. You can also add a date and signature to the endorsement to prevent it from being fraudulently used.
If you have a credit card, you can go to the bank to complain, or you can go to the public security organ to handle it, so you can go to the public security organ to report the case yourself and let the public security organ handle it. Credit card fraud can be big or small, so if you find people around you have such behavior, you must report it to the public security organs. This is the right thing to do.