Can credit card theft and overdue credit investigation be eliminated?
If you want to eliminate bad credit, you need to produce evidence to prove to the bank that the credit card was stolen. The bank's risk control personnel can apply for credit loss reporting after verifying that the stolen credit is true, and then report it to the central bank to adjust PBOC records. If the adjustment is successful, the bad credit will be revoked, which can be divided into two steps:
1. After the credit card is stolen, the cardholder should report the loss of the credit card at the first time and inform the bank that the credit card has been stolen. The bank will ask the cardholder to prove that the stolen credit card is not his own doing, and ask the cardholder to take the stolen credit card to the nearest ATM to get the voucher, then report the case to the public security organ and get the report receipt to fax it and the credit card consumption voucher to the bank.
2. After receiving the relevant certification materials, the bank's risk control personnel will verify the theft of credit cards through investigation and evidence collection, and then apply to the central bank for credit adjustment after confirming that the theft is true. Generally, the results will be available within 20 days at the latest. I won't elaborate on this process one by one. After the adjustment is successful, the bad credit will be revoked.
The above is "Can credit card theft be eliminated?" Related introduction. It should be noted that if the credit card theft is caused by the fault of the non-cardholder, if the cardholder is tricked into giving out the card password or CVV code and paying through a third party with an amount that he does not recognize, the bank will not admit these responsibilities.