When faced with a stolen credit card, staying calm is key. The following are a series of simple response steps:

First of all, take immediate action and report the loss of your credit card urgently by calling the bank’s customer service number. This can prevent further theft and reduce financial losses. After reporting the loss, in order to prove that the card is under your control, you should go to a nearby bank branch, ATM machine or store with monitoring equipment as soon as possible to make a legal purchase, and ensure that the usage record of the credit card at the specified time serves as your alibi.

Then, further communicate with the bank, explain in detail the fraud you discovered, provide your consumption records during the period of loss reporting as evidence, and apply to cancel the non-personal consumption. The bank will report this to the anti-fraud department, and the results will usually be given within three days.

Finally, no matter the amount of money stolen, it is necessary to call the police. Report the case to your local police station or public security bureau, and remember to provide all relevant evidence you collected during the evidence collection process, including your bank complaint records and consumption certificates. Notification from the police is crucial to the subsequent appeals process and increases your chances of successfully recovering your losses.

In general, timely and clear actions and close cooperation with banks and police are effective ways to deal with credit card theft incidents. Remember, every step should be taken as quickly as possible to protect your rights to the greatest extent.