What to do if your credit card is stolen?

First, freeze or report the loss in time. If you find that your credit card has been stolen, call the official customer service number of the card-issuing bank as soon as possible to inform you of the abnormal transaction, freeze your account or report the loss of your card in a timely manner. If a third-party payment platform is involved, call immediately to control the withdrawal of funds.

Second, report the case to the public security organ immediately. Keep the receipt of receipt. Detail the circumstances of the fraudulent use and prove that the credit card is still in your custody and that the fraudulent consumption was not done by you. Some payment institutions require the cardholder to provide a receipt as proof of denial of the transaction.

Third, it is fixed evidence. Immediately go to the nearest ATM or POS to perform a card transaction to prove that the card is not lost on you, and the fixed electronic evidence proves that the card has not been separated. If the card has been frozen or reported lost, the card swiping will not be successful, and the card may be swallowed when making transactions through an ATM machine. Please do not panic and follow the relevant bank regulations for follow-up processing.

4. Request the bank to provide important documents. Find a location with a fax machine, use the fax machine phone to call customer service again, and ask customer service to help you fax two important documents. "Account Inquiry Statement" and "Additional Instructions for Non-Personal Transactions".

To prevent credit card theft, you should pay attention to three aspects:

1. Keep it properly. Keep your credit card and corresponding documents safe, keep the information and password on the credit card, and keep the mobile phone number you reserved when applying for the card. Do not give your credit card to others to use or tell others your password. If you have applied for mobile banking or online banking, you must be more vigilant when operating transactions and pay attention to account changes in a timely manner.

2. It is standardized payment. Go to a regular merchant to swipe your card. When swiping your card, pay attention to whether there are any suspicious devices around you. When entering your password, be sure to keep a safe distance from others to prevent your password from being peeked. Increase your vigilance against phishing websites, unsafe links, and phone calls, and do not enter passwords in unsafe environments to avoid information leakage.

3. Activate SMS reminder. Try to enable the SMS notification function of your credit card and pay attention to it at any time to keep abreast of fund changes, improve response speed, and prevent increased losses.

4. It is reasonable for users who have had tens of thousands of yuan stolen from their credit cards to refuse to repay their debts. Of course, it doesn't mean that you won't have to pay back the debt just by talking. When a fraudulent transaction occurs, the cardholder needs to take immediate measures, including freezing the account, reporting the loss of the account, etc. If you can provide proof that your credit card was stolen, the cardholder does not need to repay the amount.

What should you do if your credit card has been stolen by others?

1. Report the loss promptly:

After discovering that your credit card has been stolen by others, the cardholder must call customer service Apply for loss report by phone.

2. Collect evidence of fraudulent transactions:

The cardholder goes to the ATM machine, inserts the credit card, enters the password, checks the previous transaction records, and prints out the transaction records of the fraudulent transactions .

3. Negotiate with the bank:

The cardholder goes to the card-issuing bank’s business office with the stolen transaction record and ID card, negotiates with the staff, and requests the bank to repay the money that has been used. The amount owed was stolen and a certificate of theft was required.

4. Report the case to the public security organ:

If the amount of stolen money is very large, the cardholder can go to the local police station to report the case, submit relevant evidence, and request the police to help recover the stolen money. of arrears.

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards.

Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status.

According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards

Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally.

Quasi credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide.

Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.

Is it useful to call the police if your credit card is stolen by a friend? You will understand after reading it!

A netizen consulted and said that his credit card was stolen by a friend for 5,000 yuan, and the friend did not take the initiative to repay the money, so he wanted to call the police to arrest him, but he did not know if it would be useful. If you have had the experience of having your credit card stolen by someone around you, and would like to know if it is useful to call the police if your credit card is stolen by a friend? Let’s take a look at the introduction.

Is it useful to call the police if your credit card is stolen by a friend?

No matter whose credit card was stolen, as long as the fact of theft exists and you find evidence that the credit card was stolen, you can call the police and arrest the person. However, if the amount is huge, the person who committed the fraud will have to bear corresponding civil liability, and if the case is serious, he will be punished. Therefore, it is recommended to think carefully before calling the police.

The suggestion is that if a friend swipes your credit card, it is best to first understand the circumstances under which he swiped the credit card. If the family is in a poor family and is eager to use money, but cannot find it. When someone borrows money and has to swipe your credit card as a last resort, you can choose not to call the police, but you must ask them to repay the swiped money.

If your friend really doesn’t have the money to pay back, and you don’t want to affect the relationship between the two of you by calling the police, you can ask him to write an IOU, and you will pay off the stolen money first, and then pursue him. payment. If your friend refuses to repay after committing fraud and the amount owed by the fraud is too large, then you need to call the police. After all, if you don’t call the police, you will be asked to repay the money that was stolen.

It should be noted that a case may not be filed after a report of credit card theft being reported to the police, but you must provide the bank with a receipt for filing the case, then submit evidence that you were not present at the time of the theft, and then wait for the bank's customer service to process it. If your credit card is stolen because you leaked your credit card password, you will also be held partially responsible.

The above is the relevant introduction of "Is it useful to call the police if your credit card is stolen by a friend?", I hope it will be helpful to everyone. For cardholders, if their credit card is stolen by a friend, calling the police will affect their relationship. If they do not call the police and the other party fails to repay, they will cause losses to themselves. It is really difficult to make a choice.

What should I do if my friend swiped my credit card and I can’t pay it back

Solutions: 1. If the credit card was stolen by a friend, his behavior is suspected of credit card crimes, and it is recommended to call the police ; 2. If the credit card is used with the consent of the party involved, it is a civil case and the person should be required to repay the money; first pay off the credit card debt, and then ask for money from the other party. If the credit card is not repaid, the bank will pursue the cardholder. responsibility. As a result, the credit card will be frozen and cannot be used, and negative information such as late repayment will be recorded in the personal credit report. Negative information such as late repayments is not permanently recorded in an individual's credit report. my country's current credit record retention period is five years. After paying off a credit card, anyone can start over and build a credit history all over again. Whether it constitutes a criminal offense and whether you will be imprisoned depends not only on the time of arrears, but also on the principal amount of the credit card arrears. If the principal amount of the debt exceeds RMB 10,000 and is still not repaid for more than 3 months after being called upon twice by the card-issuing bank, it shall be deemed as a "malicious overdraft" under the criminal law, suspected of credit card crime, and shall be sentenced to not more than five years or criminal detention according to law. , and shall be fined not less than 20,000 yuan but not more than 200,000 yuan.

If the malicious overdraft amount is relatively large and all the overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law. 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 shall also be fined not less than 20,000 yuan and 20 yuan. A fine of not more than 10,000 yuan; if the amount is huge or there are other serious circumstances, the sentence 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, the fine shall be not less than 10 years but not more than 10 years. Alternatively, a fine of not less than RMB 50,000 but not more than RMB 500,000 or property confiscation may be imposed: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) ) Pretending to use other people’s credit cards; (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 a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law. Article 264: Anyone who owns public or private property, if the amount is relatively large, or who breaks into the house multiple times, carries a weapon, or pickpockets, shall be sentenced to not more than three years of criminal detention or surveillance, and shall also or solely be fined; if the amount is huge, or there are other serious If the amount is particularly huge or there are other particularly serious circumstances, the offender shall be sentenced to not less than three years and not more than ten years, and shall also be fined; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to not less than ten years or not, and shall also be fined or his property shall be confiscated.

What should I do if my friend overdrafts my credit card and fails to pay it back? Here are two solutions!

We all know that credit card overdrafts must be repaid after consumption, otherwise it may have a series of serious consequences, which will definitely affect your credit, and even worse, you will be punished. However, many cardholders have their credit cards overdrawn by their friends. If their friends don't pay back, they have to pay for the gap themselves, otherwise they have to bear the consequences themselves, which is very frustrating.

So, what should we do in this situation?

Under normal circumstances, when a friend overdrafts a credit card, there is no need to solve the problem. The specific situation must be analyzed in detail.

1. The credit card was stolen by a friend:

In this case, it is recommended not to consider brotherly loyalty, because the person who can steal your credit card has no idea at all. You treat him as a true friend, but his behavior is already suspected of credit card crime. If he can repay the money, you can consider letting him go. If he doesn't repay, I suggest you call the police in time. Legal sanctions will be waiting for him.

2. The credit card is lent to a friend:

In this case, because your friend uses the credit card with your consent, of course, if the other party does not intentionally fail to repay, but If you are really unable to repay the loan, in this case you can pay off the credit card debt first, and then ask your friend to repay the money directly to you; and if your friend is able to repay the loan, but deliberately fails to repay, then you can request Repayment.

However, no matter what the situation is, the balance must be repaid in time before the final payment date, otherwise the bank will hold the cardholder accountable if the credit card fails to repay.

If your friend does not repay and you do not repay, then the overdue amount will affect the cardholder's credit. If the overdue time is more than 3 months and the bank has two effective collections, the amount owed will be If the amount exceeds 50,000, the cardholder may be fined by the bank or, in severe cases, be punished.

In order to avoid this situation from happening, cardholders should keep their credit cards safe. If a friend borrows a card and overdrafts, don’t agree easily. If possible, lend him money directly and agree on a repayment date. , if possible, ask him to make an IOU. If the friend doesn't repay, you can just do it directly. This way, you don't have to worry about affecting your credit.

What should I do if my credit card is stolen by a friend? You can try this!

In our real life, it is not uncommon for credit cards to be stolen by so-called friends, but different people handle it in different ways. Some will consider the situation and choose to make it a big deal, while others will Call the police directly and ask the police to arrest you. Of course, I won’t say here who is right or wrong among these two methods of handling, but what you need to remember is that no matter what you do, you must ensure your own interests.

So, what should you do if your credit card is stolen by a friend?

First of all, we must realize that no matter who has used the credit card, this situation is essentially a credit card and will harm the interests of the cardholder, because no matter who uses the credit card, The bank will only hold the cardholder accountable, so the cardholder must pay for the so-called friend's fraudulent behavior.

If you know who stole the money, you can go directly to the other party and ask them to repay the money. It is best if you can repay the money. You can consider your feelings and not go to the police, but you know this in your heart. After the incident, trust in the friend may no longer exist. And if the other party doesn't repay, and you're afraid of hurting the so-called friendship, you can only pay for the debt out of your own pocket, which is stupid.

So it is recommended that no matter who has swiped your credit card, you’d better report the loss of your credit card after it was swiped, then collect the evidence of the other party’s swiping, go to the so-called friend to confront him, and then Record the conversation with him, and then tell him that he already knows that it was him who stole the money, and give him a chance to repay the money, and you don't have to pursue it after the repayment.

If the other party denies the fraud and you have definite evidence, then go directly to the police. After all, you have given them a chance, especially if the amount of fraud is serious and exceeds your repayment ability, call the police. is the best solution, otherwise you will be responsible for the consequences of being overdue after being stolen, and you may be punished for this.

This ends the introduction on what to do if a friend steals a credit card and what procedures are required to report a friend who steals a credit card. Have you found the information you need?