Generally speaking, fraud is caused by your magnetic stripe card information being copied or the card being lost. When something like this happens, the order of people who are mainly responsible for this is: the person who swiped the card>the bank>the merchant who swiped the card>the cardholder.

1. When the person who committed the fraud cannot be found and the case cannot be solved;

2. The bank will be held responsible, but if you cannot prove that you were not present when the fraud was committed If it is proved, the bank may shirk its responsibility;

3. Let the merchant who swipes the card take responsibility, but the merchant has done its part. For example, the signature matches the signature on the card, or the merchant cannot be found;

4. In the end, the cardholder will bear most of the losses.

Emergency treatment after a credit card is stolen

1. Immediately prove that you are not in the place where the credit card was stolen. Go to a nearby ATM as soon as possible and the bank will use the card to withdraw it. to make money or do business;

2. Call the police and keep your card and the voucher for cash withdrawal or business;

3. Freeze the credit card, contact the bank customer service and explain the situation. Freeze the card immediately to avoid further losses.

4. Repay the loan in time before the repayment date; if the payment has not been traced back or the bank has not confirmed how to resolve the payment, do not fail to repay in anger! If you don't repay, the bank may consider you overdue and pay late fees and interest.

In fact, instead of pinning your hopes on compensation after the bank incident, it is better to be more careful and take some

preventive measures.

First, the most important thing for cardholders is to carefully keep their credit card, password and other information. If you put your credit card in a carry-on bag, make sure the bag is sealed. *Do not leave bags, suitcases or coats containing credit cards casually. At work, it is best to lock personal items in cabinets or drawers. When on vacation, do not leave personal finances behind

In a hotel room, on the beach or by the pool.

Second, when applying for a credit card, it is best to choose the password + signature method. The password should not be similar to your birthday or phone number, and the signature should be difficult to imitate.

Third, apply for the mobile phone SMS notification service from the card issuing bank. You can receive SMS reminders for every transaction.

You can take immediate measures to protect yourself once suspicious transactions occur. .

Fourth, do not shop at irregular merchants or online malls. Some criminals use high technology to install software on POS machines or the Internet that can obtain credit card information. The information will be automatically sent to the criminals. Therefore, cardholders should choose regular merchants for shopping. If they have to go to some small irregular merchants for some reasons, they should also try to use cash.

Fifth, try to avoid operating online transactions on public computers and try to choose regular online merchants.