I suggest you freeze your credit card first, and then apply for a refund from the bank credit card center. As long as the customer successfully applies for account freezing, the bank can provide credit card users with payment collection services. Generally speaking, the time spent in China and the time spent in applying for payment and recovery services do not exceed 120 days, and the time spent abroad does not exceed 180 days, which are all effective payment and recovery periods. Customers can ask the bank to help them track down the funds in question.

After applying for the collection service, the bank will track the customer's problem consumption account, "usually the tracking result can be replied within 45 working days". Once it is verified that the cardholder's credit card has been stolen, the bank will be responsible for compensating this part of the loss. If the customer repays all or part of the stolen money during the bank tracing period, the bank will also refund the arrears paid by the customer after verification.

The theft of credit cards can be roughly divided into two situations: one is the theft of fake cards, and the other is the theft of real cards. Fake card swiping means that the copied credit card information is made into a copy of the credit card by criminals. At present, in China, if a fake card is stolen and verified, the cardholder will not bear the responsibility and the issuing bank will pay the bill.

If the real card is stolen, the situation is different. If the password-type credit card is stolen, the general cardholder needs to bear the loss himself; If the signature credit card is stolen, the cardholder does not have to bear the transaction amount after reporting the loss. Before reporting the loss, even if the cardholder doesn't realize that the credit card has been lost, if it can be proved that the signature is forged by others, the bank will still pay the bill, otherwise the cardholder will bear the loss of the stolen credit card himself.