Step one: prove your innocence

After discovering that the card has been stolen, the cardholder should go to a nearby bank branch, ATM machine or a store that supports card swiping and has surveillance to swipe the card and prove it. Two points: the cardholder's location and the card are in his hands at this moment. This facilitates evidence collection by banks and police.

Step 2: Bank appeal

This can be done simultaneously. If you find that your card has been stolen, contact the bank immediately, complain that the transaction was not done by yourself, and apply for cancellation. Here is a clarification: Banks are not responsible for theft of credit cards with a password consumption model, but they will bear some responsibility for credit cards with no password and only rely on signatures for consumption.

Step 3: Report the loss of the card

The occurrence of fraudulent use means that the credit card is no longer safe. In order to reduce losses, the editor of the Card Alliance recommends that cardholders file a complaint with the bank and return the card to the bank. After reporting the loss, the bank will bear the losses for any card transactions that occur after the loss is reported.

Step 4: Call the police

If the card is stolen and the amount is relatively large, the Card Alliance editor recommends that cardholders go to the nearest police station/public security bureau to report the case. You can still file a police report if you are low, but the chances of a case being filed are slim. When reporting a crime, you can explain the content of proactive evidence collection. In addition, after the police station files a case, there will be a notification of filing the case. Cardholders can also provide this document to the bank to facilitate the bank's internal review of the theft incident.