What should I do if my credit card is stolen overseas?

How to save yourself when VISA card is stolen abroad?

The author had the experience of being stolen in the United States, but I couldn't find any helpful posts when I browsed the whole network at that time. I had to cross the river by feeling the stones to save myself, so sharing my experience with friends in need can make everyone take fewer detours.

Visa credit card is a kind of credit card that can be used in many currencies and countries. Basically, every friend who goes abroad will have one. It is a kind of magnetic stripe card, and its security is lower than the chip savings card we usually use, which has great information security risks.

Its security risks are mainly reflected in two aspects: First, if the consumption amount is less than 100 US dollars, you don't need to enter the password set when you apply for a Visa card abroad; if it is more than 100 US dollars, you need to sign the receipt.

Second, there is a three-digit cvv on the back of the Visa card. As long as you know these three-digit passwords, plus the front of the card and the validity period of the card, you can make purchases online through this information without using the Visa card itself.

Next, let's talk about the tragic experience of the author's Visa card being stolen and the ingenious self-help process.

The author is a poor exchange student. In the second month of coming to Missouri, USA, the information on the visa card was leaked, and criminals stole a sum of 180 US dollars online through the information on the card. God knows my despair. I am unwilling to eat or wear, but I am stolen by unexpected troubles. Therefore, Ben Xiaobai took the following steps:

First, I saw a global 24-hour hotline on the back of the Visa card. I called the operator to tell them that my card information was leaked and stolen, and asked them to freeze the card through the bank in time to prevent it from being stolen again.

Secondly, in order to confirm whether the Visa card is really in my hand and not lost, the bank asked me to find a pos machine to swipe my card at my place within 24 hours, so that the bank could receive the message that "the card with the suffix xxxx failed to swipe at some time in Missouri, USA". One is that the certificate card is in the author's hand, and the other is that the verification card has been successfully frozen by the bank. In this case, I suggest you find a self-service vending machine, so that you can generously brush the card!

Thirdly, the time when the author encountered the stolen brush coincided with the National Day of China, so the visa center of the bank was also working in shifts. Although the emergency filing was still limited at that time, and 180 dollars was really a lot of money for all kinds of major cases, if we only rely on and trust the bank, maybe it really depends on fate whether the money can be recovered. The author is a person who is never afraid of trouble. He has always believed that the solution must be much more difficult, so he began to save himself.

Fourth, everyone should have heard of the mother-child card. That is to say, the author's Visa card is a supplementary card for parents. Through the parents' bank app, you can check the consumption record and store name of the author card. With the help of foreign aid in my hometown, I found out that the shop that criminals consume is an official online clothing store, so I found the email address of this store through Google (the United States attaches great importance to using email) and edited an email about the theft of credit cards. This order is not my will, but fraud and theft. I hope the merchants can help stop the logistics and cancel the order. The following is the contents of my letter for your reference:

Hello, ireceivedamessagethatmycreditcardhaconsumption for180 dollarsat 7.29 pmon9/30/2019. That's not me! idoblievethamycreditcardnumberhasbeen causedbyinternethackerstointerceptandthenbeingfalse lyfraud。

iiimmediately contactedbanktofreethecreditcard。 Pleasedotdelivethegoodswhithnotboughtbymselfandreportthiseventopoolice. My creditcard number is xxxx, Mynameis is crab cookies, and My CreditBank customer phonenenberis is xxxx.

ihavereportedtothebank and the nese police . it highly precidatedatifyoucansupportdeallingwith the crime。

Thank you very much I hope you can reply!

The noteworthy contents are as follows:

First, if you want the mail to be found by the merchants faster, you must have an eye-catching title. For example, I will set the email title as "urgent fraud u lenta bout credit card", that is, credit card emergency fraud.

Second, write clearly your name and the time when it was stolen in the email.

Third, there is no need to worry about American businesses turning a blind eye to such incidents in order to make money, because once exposed, they will bear huge compensation. However, from the insurance point of view, I mentioned in my letter that this matter has been reported to the police, and attached the global 24-hour hotline of visa card, which can increase the concern of merchants on this matter.

Finally, I sent an email the night before and received a reply from the merchant the next morning. They not only sealed my bill and recovered 180 USD, but also told me the specific information of the suspect and asked me to provide it to the police. The businessman's attitude is very good. Thank you for informing them of this stolen brush case, and said that if the police need further investigation, they will certainly cooperate. At the same time, I would also like to thank the American imperialists for their slow delivery, which gave me more opportunities to race against time.

Attach the merchant's reply:

Hello,

thankyouforinformingusaboutthefraudulentorder。

We have received a refund of 180 USD.

This is customer information.

xxxxxxx

If you have any other questions or further help, please email us.

Thank you!

At this point, this matter has come to an end. For my safety, my parents won't let me call 9 1 1, but at least the money has been recovered.

Generally speaking, there are two situations when a Visa card is stolen:

First, the card is lost. There are two kinds. One is that small stolen brushes under 100 dollars do not need to sign a contract; The other is that a large amount of stolen brushes above 100 dollars need to be signed. It will be easier to handle and solve problems with fonts as evidence than to steal them directly.

Secondly, it is the information leakage encountered by the author. Later, after my memory, I think it was when I swiped my card in the supermarket that a monitor accidentally photographed three cvv passwords on the back of the card. At the same time, it is recommended that you remember cvv and apply it with correction fluid to avoid being photographed by the camera.

There is another safety knowledge that many people don't know. There is a function in the bank app called "security lock", which is specifically for credit cards. When not using the credit card, turn off the consumption function of the credit card through the app; When you need to use a credit card, open this function through the app. It's a bit like being able to control whether to freeze credit cards. Although it sounds a little troublesome, it can really ensure the safety of assets.

I especially hope that you will not encounter such unfortunate things, but if you do, I hope this article can help you save money.

Don't be afraid of difficulties and troubles, because it can increase our future talk and make you a storyteller. I am particularly proud that I can successfully save myself. I wrote this article to help more homeless people! So, don't be stingy with your reward!