1. Contact the customer service staff of the issuing bank and inform them that the card has been counterfeited and stolen. At this point, after checking the identity information with the cardholder, the customer service staff will take the initiative to control the cardholder's card, commonly known as "code". Then notify the cardholder:

1. 1 go to the nearest ATM for inquiry and transaction;

1.2 alarm;

1.3 copy of the latest original passport;

1.4 Fax the alarm record and passport copy to the fax number designated by the issuing bank.

The purpose of the above requirements of the issuing bank is to prove that the credit card is now in the hands of the customer, and the customer was not in the place where the fake transaction occurred when the fake transaction occurred (for the case that the subject was stolen overseas).

With the above evidence, the issuing bank can generally assume that the customer's card was stolen after being recorded, which is not a personal fraud of the customer.

2. If the confirmation card is stolen by criminals, the issuing bank will cancel the customer card, that is, download the X code and issue a new card to the customer. At the same time, check whether the funds have been cleared from the issuing bank. If not, it will be intercepted. This step is very sensitive to time.

3. After the staff of the issuing bank's operation department arrives, the deduction adjusters will contact the acquiring bank through the card organization, first try to freeze the settlement of the transaction funds of the acquiring merchants, and ask the pos machine to sign and check the signature. In this process, generally speaking, freezing small or controversial transactions may not succeed.

4. At the same time, the anti-fraud personnel of the risk control department of the issuing bank will screen and investigate the merchants who illegally record credit cards according to the historical transaction records of stolen credit cards and customers and the data of other forged transactions in a certain period of time. As long as the data is huge enough, such as credit card banks such as the five major banks and China Merchants Bank, it is generally possible to quickly lock in pirated merchants.

5. After going through the above process, the card issuer's fee deduction adjuster will apply to the card organization for fee deduction adjustment of some transactions based on various evidences that are beneficial to him. After several rounds, if successful, a loss can be avoided, and both the issuer and the cardholder are happy.

6. The acquiring bank will decisively shut down the merchants who have illegally swiped their cards after investigation. Of course, many crimes are not accused by businesses, but may be individual cashiers or hacker groups. In 2008, a group of hackers got a car outside the supermarket, used the supermarket's wifi to invade its system, intercepted the supermarket's POS transaction information, and sold the information to criminals with fake cards. In fact, this large-scale crime is the main channel for bank card information leakage.

7. If the issuer and the acquirer have not frozen liquidation, no criminals have been found. Sorry, the issuing bank will take care of it.