What should you do if your credit card has been stolen by others?

1. Report the loss promptly:

After discovering that your credit card has been stolen by others, the cardholder must call customer service Apply for loss report by phone.

2. Collect evidence of fraudulent transactions:

The cardholder goes to the ATM machine, inserts the credit card, enters the password, checks the previous transaction records, and prints out the transaction records of the fraudulent transactions .

3. Negotiate with the bank:

The cardholder goes to the card-issuing bank’s business office with the stolen transaction record and ID card, negotiates with the staff, and requests the bank to repay the money that has been used. The amount owed was stolen and a certificate of theft was required.

4. Report the case to the public security organ:

If the amount of stolen money is very large, the cardholder can go to the local police station to report the case, submit relevant evidence, and request the police to help recover the stolen money. of arrears.

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status.

According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards

Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally.

Quasi credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide.

Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.

What to do if your credit card is stolen

1. Freeze. Call the customer service hotline to freeze your credit card and stop all transactions. 2. Call the police. If the police files a case, a receipt will be issued and the cardholder should keep it properly. 3. Obtain evidence. The purpose of swiping a card to make purchases, checking balances or withdrawing cash is to prove that the stolen card is indeed in the possession of the cardholder. If you are worried that you will not be able to collect evidence after the card is frozen, you can collect evidence first. 4. Appeal. Before the problem is solved, in theory, the cardholder needs to repay the loan normally, which can also avoid the impact on the credit report due to overdue payment. At the same time, the cardholder can contact the card-issuing bank to apply to cancel the fraudulent consumption, and the bank will give a reply within a certain working day. Article 266 of the Criminal Law: If the amount is relatively large, the person shall be sentenced to not less than three years, criminal detention or public surveillance, and may also be fined or solely; if the amount is huge or there are other serious circumstances, he shall be sentenced to not less than three years and not less than 10 years. If the amount is particularly huge or there are other particularly serious circumstances, the offender shall be sentenced to not less than ten years or shall also be fined or have property confiscated.

If this law provides otherwise, the provisions shall prevail.

How to call the police if your credit card has been swiped?

Immediately call the bank's customer service to inform you that your credit card has been swiped and request to freeze the credit card, and record the bank's response and guidance on this situation.

Then dial 110 to call the police. Usually 110 will ask the cardholder to go to the public security bureau near the bank where the credit card was issued to file a case for investigation, or call the police at the nearest police station. The most important thing after calling the police is to ask for the alarm receipt and other documents so that they can be submitted during future bank investigations. The alarm receipt is very important!

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay;

A quasi-credit 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 overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

Application

In most cases, citizens with full capacity for civil conduct (citizens over 18 years old in mainland China) and with certain direct financial resources can apply to the card-issuing bank. Apply for a credit card. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

Cancellation

Before canceling a credit card, the account balance must be cleared. The entire process of canceling the card must be completed within 45 days after the application is submitted.

How to report a stolen credit card?

Many cardholders are really unlucky. They obviously have the credit card with them, but the money in the card is gone. When encountering this situation, you must not panic. Remember to report the crime within the golden 72 hours after your credit card is stolen. Otherwise, if you miss this period, it will be difficult to recover your losses. So, how do you report a crime after your credit card has been stolen? Friends who don’t know must do these four steps:

Step 1

When you learn that your credit card has been stolen, you must change your credit card password in time to avoid credit card fraud. Stolen again. Everyone can complete this step independently, so it shouldn't be difficult.

Step 2

Call the credit card service hotline of the card issuer, contact the card issuer as soon as possible, explain that your credit card transaction was not performed by yourself, and then report the loss/freeze of your card.

Nowadays, most of the bank’s manual customer service hotlines are online 24 hours a day, so you don’t have to worry about not being able to contact the bank. Remember to report the loss of your card and act early to avoid your credit card being stolen again.

The third step

While reporting the loss of the card, the cardholder submits an order adjustment request to the customer service and asks the bank to tell you which merchant the suspicious consumption occurred.

Whether domestic or foreign, this method of processing is not always successful, but in online consumption, the customer service of the website involved can provide processing results faster than the customer service of the bank, or provide more information related to fraudulent transactions. information.

Step 4

Immediately take your credit card and swipe it at a nearby ATM or POS machine to prove that your credit card is with you, and then save the transaction receipt , or take a photo of the transaction receipt to record it, which is the so-called proof that the credit card never leaves the person.

Finally, report the crime to the nearby police station. Showing the original bank card to the case handler and obtaining documents such as a report receipt or a case acceptance notice are also important evidence to prove that "the person and card are not separated."

The process of reporting a stolen credit card: Don’t get the order wrong

After a credit card is stolen, the bank will ask the cardholder to report it to the public security bureau and submit the report receipt. Wait to be mailed to the credit card center for subsequent compensation. However, many cardholders are not very clear about the alarm process after their credit card is stolen. They always get the steps wrong and run back and forth, which is time-consuming and labor-intensive. Let’s teach you the correct way to handle it.

In fact, after your credit card is stolen, the first thing to do is not to call the police, but to call the bank to report the loss. Then the bank will ask you to collect evidence and then go to the police. The specific process is as follows:

Step one: Call the card issuing bank and freeze the credit card

After discovering that the credit card has been stolen, stop the loss immediately, call the card issuing bank and tell the bank’s customer service that the credit card has been stolen. . After confirming the information, customer service will help you report the loss of your credit card. At this time, the credit card can no longer be used for transactions.

Step 2: Collect proof that the credit card has been stolen

Customer service will ask you to go to the ATM machine to make an inquiry or withdraw cash. The purpose is to prove that the credit card is with you and what happened The theft is not your fault. It should be noted that the credit card is frozen at this time, so the cash withdrawal will naturally not be successful, but there will be a certificate that the transaction failed, and this is proof.

Then you have to ask the bank for a consumption record that has not yet been issued. It is best to have it signed and confirmed by more than 2 bank staff, and indicate on the material "the above materials have been verified and confirmed." The internal data in the system is consistent." Then you circle the stolen consumption in the consumption record.

Step 3: Bring the collected evidence to the police

Then take the evidence and go to the public security organ to call the police. The public security agency will ask you to provide a copy of your ID card, a copy of the stolen credit card, a credit card statement or transaction voucher containing the stolen transaction. After reporting the crime, remember to ask the public security agency for a receipt.

Step 4: Apply for compensation from the bank

Finally, you need to send the report receipt and statement letter to the bank’s credit card center to apply for compensation.

That’s it for the introduction of how to call the police if your credit card is stolen.