How to remedy being defrauded of a credit card

Living in the 21st century, it can be said that our lives are very happy, and now is an era of rapid development of the Internet. , the emergence of the Internet has brought about earth-shaking changes in our lives, making our lives more and more convenient, but at the same time, many problems have arisen. For example, some people often have such doubts, that is, being What should I do if my credit card is fraudulently reported? To answer this question, first of all, we must make a call for help, and also learn to use legal weapons to protect our rights and interests. Let’s take a closer look below.

1 Call the rescue hotline

In our real life, things like this are actually very common, especially in some public places, such as Railway stations, high-speed rail stations and places where there is a lot of movement of people, but when we really encounter a similar situation like this, we must call the credit card center, and we should also seek business reasons from them, and we also You can call Yaoyao Ling for help.

2 Learn to use legal weapons to protect your own rights and interests

We all know that today in the 21st century is a legal society, and now each of us is bound by the law. The law is universally binding on each of us, and if we do not abide by the law, we will otherwise be subject to corresponding legal sanctions. Therefore, when our legitimate rights and interests are violated, we can learn to use the law weapons to safeguard our own legitimate rights and interests.

So in our daily lives, we should also pay more attention to this issue, for everyone. We must be more vigilant outside. When we find that our legitimate rights and interests have been infringed, we can report the problem to some agencies, and we can also seek help from higher-level departments. The above are some of the recommendations I have summarized. Related knowledge, I hope it will be useful to everyone.

What should I do if I get a credit card and still can’t repay it?

If you cannot repay in time, you can contact the card issuer to communicate and negotiate a repayment plan. If you have been scammed, you can call the police. Failure to repay after the credit card is overdrawn is a breach of contract. The bank can require the cardholder to repay the principal as well as overdue interest, late payment fees, over-limit fees, etc.; if the bank files a lawsuit with and wins, the cardholder will also have to bear the litigation costs. Secondly, if the cardholder maliciously overdrafts a certain amount for the purpose of illegal possession and fails to repay the amount overdue, it constitutes a credit card crime and he will also bear criminal liability. Finally, late repayment will leave a bad credit record for the cardholder, which will affect the smooth progress of the cardholder's future loans and other activities. Article 196 of the "Criminal Law": Whoever 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 but not more than 200,000 yuan; if the amount is huge or there is For other serious circumstances, the sentence shall be not less than five years but not more than ten 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 five years but not more than ten years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; A fine of not more than 100,000 yuan or confiscation of property may be imposed: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) Using an expired credit card; (3) Pretending to use another person’s credit card;

What to do if you are defrauded by a credit card salesperson

If your credit card is defrauded, you should call the police in time.

Take online credit card agency as an example. Online credit card agency is a common online method. Because banks have strict procedures for credit card review, and applicants must go through relevant procedures through bank staff, do not believe false information from online credit card agencies.

And there are only two ways for banks to process credit cards. Apply at the bank counter or through the bank's official website, and you must also have relevant financial certificates. In particular, banks will have strict risk controls.

If you want to apply for a credit card with an overdraft limit of more than 100,000 yuan, you must not only own a house and a car, but also have a certain amount of deposit in the bank where you apply.

Even if the bank calls, the bank’s customer service number only has 5 digits and no area code. If there is an area code in front of it, it is usually a phone number, remind customers not to believe it.

How to call the police if you were defrauded of 300 yuan when applying for a credit card?

If you are defrauded when applying for a credit card at home, you should seize the time to call the police and explain the situation in detail. In order to avoid personal arrears caused by the leakage of personal information in the later stage, you can have a report record from the Public Security Bureau to show that you were deceived and the fees owed have nothing to do with you. And call the customer service of the bank to which the credit card belongs as soon as possible to check whether there is a record of applying for a credit card in your name, and cancel the credit card application in a timely manner.

For credit card approval, you need to bring your personal valid ID to the bank counter to apply. You can also contact the credit card staff to apply for a credit card. When applying to a staff member, you must verify the staff member’s identity information in advance to avoid being deceived. Applying for a credit card is free. Do not trust any advertisements that guarantee approval for large credit cards. You must apply for a credit card through formal channels.

Once you find that you have been deceived when applying for a credit card, you must seize the time to report to the police, detail the relevant situation of the applicant, and the relevant information provided by the individual, and leave a report record in the Public Security Bureau. This can ensure that once personal information is leaked or a credit card is stolen due to being deceived, it can be effectively proved that the debt is not caused by personal reasons, which can reduce personal economic losses.

And for credit cards processed through informal channels, after the credit card is approved, the handler will fill in the credit card collection address to his/her address. After the card is opened, credit card fraud will be involved. After this happens, the owner of the credit card must call customer service immediately to inform them that the credit card has been stolen, and ask the bank to freeze the credit card and call the police as soon as possible to wait for detection by the public security organs. Although the law stipulates that credit card debts in an individual's name must be repaid by the individual, but if fraud is involved, the debt can be recovered through detection by the public security organs and reduce part of the individual's losses. Therefore, if the credit card you apply for at home is defrauded, you should seize the time to call the police to reduce personal losses.

What should I do if a staff member who claims to be a bank helps me apply for a credit card but is defrauded?

If you have losses and evidence, please contact the police to report the case immediately. If the card application has been successful, in addition to reporting the case, you also need to report it to the bank.

1. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit cards A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrafted within the specified credit limit. The so-called credit card generally refers to a credit card only.

3. The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit limit.

4. Credit cards are generally special carrier plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front and the name of the cardholder is printed on the back. Chip, magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.

5. China’s credit card market is still one of the fastest-growing product lines in China’s personal financial services market. Although the economic benefits of the industry are full of challenges, driven by economies of scale and growth in consumer spending, the market will continue to grow in the next 10 years. The average annual growth rate of credit card issuance in China will remain at around 14 during the year, and profitability will also tend to improve. It is expected that by 2020, the cumulative number of credit cards issued in China will exceed 800 million.

That’s it for the introduction of what to do if your credit card is defrauded.