If this happens, first call the customer service of the bank where your credit card belongs and ask for an inquiry. If it is indeed not your consumption, you can raise an objection and get it back. Of course, this does not include This is the case where your credit card has been stolen. If the money has been stolen, you need to provide evidence that it was not consumed by you before you can get the money back. This is also to avoid moral hazard.

Methods to prevent credit card theft

1. When applying for a credit card, you must go to a regular bank window to apply for it. After the credit card is stolen, you must report the loss in time.

2. You can deposit part of it into a fixed term or purchase other investment products. This can effectively reduce the occurrence of financial fraud such as credit card being copied. It is best to check the bill information in a timely manner and return it when signing the card. Pay attention to whether there are two overlapping shopping lists; if the text message finds that the credit card has been stolen, whether there are duplicate items, etc., and then you need to reply within three days to minimize possible losses and increase the success rate of appeals. , especially during the process of filing a case.

3. In order to avoid the continuation of fraudulent transactions, the evidence of which transactions are not my own must be handed over to relevant personnel. This evidence will be very useful in the future. The cardholder should call the bank immediately and pay attention to protecting the security of the information when swiping the card on a daily basis.

4. You can limit the amount of consumption, activate the SMS notification service, and be able to keep track of the fund changes in your credit card account at any time. After reporting the loss of your bank card by obtaining evidence yourself, you can get in touch with the bank.

Report the loss of a bank card

When a bank card is lost or stolen, the loss should be reported to the bank as soon as possible. Each bank has different requirements for reporting lost bank cards. Here are two requirements for your bank: China Construction Bank: The phone number is 95533. When reporting the loss verbally, you need to check the card owner’s ID number, account opening date, balance and other relevant information. The validity period is 5 days. That is to say, the day when the loss is reported is the first day, and ends at midnight on the sixth day. After midnight on the 6th day, it will be automatically unblocked. I need to go to the account opening bank to report the loss in writing before midnight, and I need to bring my original ID card and other identity documents. Bank of China: The phone number is 95566. Bank of China's debit cards all have corresponding passbooks, which are account savings that can be converted into one card, and there is no bank card loss reporting service. If you find that the bank card processed at this bank is lost, you can only report the loss of the passbook. When reporting a loss verbally, you need to check relevant information such as the ID number, the name of the bank where the account was opened, and the date of account opening. The validity period of verbal loss report is 5 days. When reporting a loss in writing, you need to bring the original ID card and fill in the application form for loss registration.