In fact, the payment conditions of free credit card loss service provided by banks are generally very harsh, with time and quota restrictions; Some of these banks provide free card loss protection and only pay for signature authentication. Judging from the advertisement of lost card protection, as long as the cardholder reports the loss in time, the bank will bear certain compensation for the stolen brush loss that occurred within a certain period of time before reporting the loss. However, in the specific contract terms, banks set thresholds and restrictions.

Legal objectivity:

criminal law

Article 196

Whoever commits credit card fraud in any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of 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 are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan;

If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.