What should I do if my credit card is stolen by someone else?
Stolen things seem to happen every day. Money is stolen, mobile phones are stolen, and even credit cards are stolen. Credit card theft is no longer an isolated case, but every time the theft occurs, the card is stolen. People were very scared because they didn't know what was happening. So let’s take a look at what to do if your credit card is stolen by someone else.
1. If your credit card is stolen by someone else, it should be dealt with on a case-by-case basis. If it is stolen by an acquaintance, you can ask the other party to pay back the money, so there is no loss.
2. If you don’t know who has stolen the card, the cardholder needs to check immediately to see if the card is still there, and then report the loss to avoid another theft incident, and then start to investigate the cause from the people around you. , contact the bank and tell the staff how it was stolen. The bank will find out where your card was swiped and see if they can find it.
3. After your bank card has been stolen, you should deal with it in time and stop the loss in time. If the amount of the fraud is very large, you can ask the bank to repay the arrears that have been stolen and ask for a bank card to be issued. A certificate of fraud, the cardholder takes the certificate issued by the bank to the local police station to report the crime, submit relevant evidence, and request the police to help recover the stolen money. If the credit card is stolen due to personal reasons, the bank will not be responsible. If the credit card is stolen due to bank reasons, the bank will be responsible.
The above is an introduction to what to do if your credit card is stolen by someone else. I hope it can help you.
What to do if your credit card is stolen
The frequent occurrence of credit card theft cases has made credit card security the focus of many people's attention. So what should you do if your credit card is stolen? Currently, you can deal with it through three major methods, that is, notify the bank and handle the loss report, call the police, and operate an ATM machine. When notifying the bank, you need to clearly explain the abnormal changes in your credit card account. Notify the bank and report the loss. Cardholders should immediately call the bank's customer service number to inform them of the abnormal changes in their account, report the loss, and follow the instructions of the customer service staff. Cardholders should also ask the bank about the method, time, location, account information of the other party in the transaction, and the location of the nearest ATM machine. If necessary, the cardholder can write down the customer service agent's number for future verification in a lawsuit. Alarm processing After notifying the bank, the cardholder should promptly call 110 to report the amount, method, time, location, and account information of the other party to the transaction. Cardholders should also follow the requirements of the public security organs, go to the bank to print out their account details, and wait until the public security organs handle the alarm procedures with their bank cards and ID cards. When operating an ATM machine, the cardholder should quickly go to a nearby ATM machine to operate the bank card. Since the loss has been reported before, the ATM machine will swallow the card, and the cardholder should keep the receipt. The purpose of this is to prove that neither the card owner nor the bank card was at the scene of the theft, and that the bank card was forged and stolen by others. Experts emphasize that in cases of counterfeit card theft, operating the real card through an ATM machine in a timely manner after the theft occurs is one of the effective ways to prove that the counterfeit card has been used. After the bank card has been swallowed, the cardholder should go to the bank to go through the card withdrawal procedures in time, so that he can take the bank card to the public security organ to handle the reporting procedures.
What should I do if my credit card is stolen?
Credit card purchases generally have text message reminders. If you do not usually activate this reminder, you must pay attention to activate it.
Step one: Don’t panic when your mobile phone receives a text message that is not for your own consumption. You should first check whether the sender is a bank customer service to avoid falling into the trap of text messages (generally, smart phones will automatically dial-up after installing dial-up software. It will be much easier to identify the bank customer service number). Record the consumption amount, consumption institution, consumption purpose and other information in the text message (will be used later).
Step 2: If the card is not stolen due to loss or other reasons, you should immediately call the bank customer service to freeze the credit card to prevent further losses.
If the credit card is stolen when it is in your own hands, you should first retain the evidence that the credit card was stolen in your own hands if conditions permit. This applies to online fraud, card fraud, etc.
The way to prove that the credit card is in our hands is that if conditions permit, we can inquire or withdraw cash through the nearest ATM machine, or we can spend at will at a convenience store. Keep the consumption receipts to prove that the person who made previous purchases using credit cards in other places is not the person you are.
Step 3: Immediately call the bank’s customer service to inform them that the credit card has been stolen and request to freeze the credit card, and record the bank’s response and guidance on the situation. Then dial 110 to call the police. Usually 110 will ask the cardholder to go to the public security bureau near the bank where the credit card was issued to file a case for investigation, or call the police at the nearest police station. The most important thing after calling the police is to ask for the alarm receipt and other documents so that they can be submitted during future bank investigations.
Step 4: After receiving a fraud report, the bank usually does not resolve it immediately. It usually responds to the cardholder within five working days. During this period, the bank does not necessarily ask the consumer institution to stop the transaction. Wait for action. In order to reduce your own losses, while waiting for the bank's response and action, you should actively contact the merchants involved in the fraud to stop the transactions and recover the money from the merchants to the maximum extent possible. Since the fraud investigation cycle is uncertain, in order to avoid affecting the credit record, the amount stolen should still be paid in advance before the liability for fraud is determined.
How to deal with the problem of credit card being stolen
Legal analysis: If your credit card is stolen, you can consider calling the police to let the police know about this illegal incident. However, the amount is small and there are certain standards for filing a case, so it is recommended to take precautions to prevent being defrauded again.
Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Anyone who engages in credit card activities under any of the following circumstances and the amount is relatively large shall be sentenced to not more than five years or criminal detention, and A fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; if the amount is huge or there are other serious circumstances, the fine shall be not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances If the circumstances are serious, the person shall be sentenced to not less than 10 years in prison or fined not less than 50,000 yuan but not more than 500,000 yuan, or his property may be confiscated:
(1) Using a forged credit card, or using a false identity certificate to fraudulently obtain the credit card. Credit card;
(2) Using an expired credit card;
(3) Pretending to use another person’s credit card;
(4) Malicious overdraft.
The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.
Anyone who uses credit cards concurrently shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
What to do if your credit card is stolen
1. Freeze. Call the customer service hotline to freeze your credit card and stop all transactions. 2. Call the police. If the police files a case, a receipt will be issued and the cardholder should keep it properly. 3. Obtain evidence. The purpose of swiping a card to make purchases, checking balances or withdrawing cash is to prove that the stolen card is indeed in the possession of the cardholder. If you are worried that you will not be able to collect evidence after the card is frozen, you can collect evidence first. 4. Appeal. Before the problem is solved, in theory, the cardholder needs to repay the loan normally, which can also avoid the impact on the credit report due to overdue payment. At the same time, the cardholder can contact the card-issuing bank to apply to cancel the fraudulent consumption, and the bank will give a reply within a certain working day. Article 266 of the Criminal Law: If the amount is relatively large, the person shall be sentenced to not less than three years, criminal detention or public surveillance, and may also be fined or solely; if the amount is huge or there are other serious circumstances, he shall be sentenced to not less than three years and not less than 10 years. If the amount is particularly huge or there are other particularly serious circumstances, the offender shall be sentenced to not less than ten years or shall also be fined or have property confiscated. If this law provides otherwise, the provisions shall prevail.
What should you do if your credit card is stolen?
You should call the police and report the credit card as lost. The cardholder does not need to repay the principal and interest owed on the stolen credit card. If it is determined that the credit card transaction involved in the case is a counterfeit card transaction. Then the principal and interest of the arrears involved in the case were not caused by the cardholder's breach of contract, and the cardholder should not bear the liability for breach of contract. However, if the cardholder fails to report the loss of the credit card after a transaction abnormality occurs and the alarm is reported, the resulting worry-free value-added service fee for card use should be reimbursed.
Legal Basis
Article 264 of the Criminal Law
Public or private property, if the amount is relatively large, or multiple times, entering or carrying Those who use a murder weapon or pickpocket shall be sentenced to not more than three years, criminal detention or surveillance, and may also be fined; if the amount is huge or there are other serious circumstances, they shall be sentenced to not less than three years but not more than ten years and concurrently fined; if the amount is particularly huge or there are other particularly serious circumstances, they shall be sentenced to not less than three years and not more than ten years and also fined; If the circumstances are serious, he shall be sentenced to not less than ten years or more, and shall also be fined or have his property confiscated.
That’s it for the introduction on how to deal with credit card fraud.