Stealing overseas credit cards in China also punishes criminal suspects in accordance with China's legal system. The filing standard will not refer to the legal system of the issuing place. However, if the amount of stolen credit card is below 1000 yuan, it is generally not investigated as a criminal offence.
The sentencing standard for stealing overseas credit cards is less than three years, criminal detention or control, and a fine or a single fine; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; 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 and shall also be fined or confiscated.
legal ground
Article 1 of the Supreme People's Procuratorate's Interpretation on Several Issues Concerning the Application of Laws in Handling Criminal Cases stipulates that public and private property with a value of more than 1,000 yuan and less than 3,000 yuan, more than 30,000 yuan and more than 100,000 yuan, and more than 300,000 yuan and more than 500,000 yuan shall be deemed as "a large amount", "a huge amount" and "a particularly huge amount" as stipulated in Article 264 of the Criminal Law. The higher people's courts and people's procuratorates of all provinces, autonomous regions and municipalities directly under the Central Government may, according to the local economic development and considering the social security situation, determine the specific amount standards implemented in their respective regions within the scope of the amount specified in the preceding paragraph and report them to the Supreme People's Government and the Supreme People's Procuratorate for approval.
What are the self-help guidelines for credit cards stolen abroad? What are the common card theft traps?
What are the self-help guidelines for credit cards stolen abroad?
Be sure to report the loss to avoid the outflow of assets again.
Cardholders should immediately call the bank's customer service hotline, inform the account of abnormal changes, and apply for a loss-reporting lock card! That can avoid stealing personal behavior again and reasonably reduce the harm behind!
Do not bypass the alarm filing.
After notifying the bank, the cardholder shall call 1 10 in time to inform him of the credit line, method, term, address and other party's account information.
Time is pressing, investigation and evidence collection skills: the principle of short-range ATM machine
Immediately go to the surrounding bank outlets, atm machines or monitored stores that are suitable for credit card swiping. Anything that can prove that they actually operated and gave the certificate will do. If the loss has been reported before, ATM may swallow the card to solve it, which is the best. This is not the most effective way for me to control overseas! Yes! Yes! One!
Complain to the bank and confirm that the card was stolen.
Establish contact with the bank again and complain to the bank: the card was stolen and which transactions were not mine. There is evidence that I am stuck in my hand at this time, and I apply to cancel these transactions. Depending on the circumstances, the Bank will send the case to the risk control system team of the Bank and give a reply within the relevant working days.
Try to cancel the transaction.
Find the business to explain the situation and try to stop the transaction! Find the name of the merchant on the received consumption information, log on to the merchant's website, contact the customer service staff to show that the credit card was stolen, and ask the other party to cancel the transaction. The whole process may be bumpy and complicated. Don't be afraid of trouble (please ignore it). Reason is the last word!
What are the common card theft traps?
1, completely free Wi-Fi
Someone once stole a bank credit card after connecting to the completely free public WiFi. Nothing for nothing. Unless the store clearly tells you that WiFi without password in public places is likely to be used by criminals to "fish".
2. Give a gift QR code
Some criminals can encourage customers to scan the QR code in the name of "scanning the QR code to give gifts" by forging the QR code, and then steal the bank card information on the mobile phone. Therefore, it is forbidden to scan the QR code of unknown origin casually to prevent the information on the mobile phone from being stolen, resulting in the credit card being stolen. Just because it doesn't happen to you for the time being doesn't mean it will happen eventually. It is a habit to swipe your card when studying abroad. Try to prepare again. The hand is always right!
However, before the introduction of key laws and regulations, the "escape" of customers was largely manifested as prevention in advance. Experts believe that cardholders need to take good care of themselves and their credit card information when swiping their cards abroad. If you are worried about stealing from abroad, you can apply to the bank to close the fast payment without card abroad, or ask for the opening of intradermal tumor verification methods such as "dynamic verification code embedded in mobile phone" and "dynamic token". In addition, some banks and auto insurance companies have also introduced "theft insurance", which can give certain security precautions to credit cards.
What should I do if my credit card is stolen overseas?
Recently, a post of a credit card user who was stolen from an overseas network but successfully "saved himself" was circulated on the Internet. On the one hand, many people lament the wit of the parties, on the other hand, they worry: if they can't "save themselves", how can most consumers protect their rights and interests? The following is my knowledge about how to steal credit cards from overseas. Welcome to reading.
Freeze in time after stealing brush.
According to the relevant person in charge of China Banking Association, with the strengthening of offline risk prevention and publicity of bank cards, some lawless elements have shifted their targets and sought opportunities in card-free payment channels. Compared with traditional fraud cases, the risk control of online payment channel fraud cases is more difficult, and the problem of consumer proof is increasingly prominent.
In a recent online hot post, the client was stolen by criminals on overseas websites for three large purchases, nearly 8,000 US dollars. After discovering that the account information has changed, the parties immediately called the bank credit card customer service to cancel the payment, but the bank customer service staff said that the bank had no right to cancel unilaterally.
Insiders said that although the transaction cannot be terminated, the cardholder should report the loss to the bank as soon as possible after discovering that the credit card was stolen, and freeze the credit card in time to ensure that the loss will not expand.
Network theft is difficult to prove "innocence"
Although the payment transaction cannot be cancelled, the cardholder can initiate a refusal order through the bank to recover the loss. But the refusal to pay must first prove that it is a stolen brush.
Mr. Wu, a Beijing citizen who has been stolen, is full of bitterness: "To prove that the stolen brush needs to provide passport information, entry and exit records, denial of transaction statements, and original credit cards? A bunch of procedures and processes have tossed me for a week. "
At present, dealing with overseas stolen brushes takes up a lot of money and time for cardholders. How to improve the timeliness of judging stolen brush and protect consumers' rights and interests is a problem that banks and card organizations need to think about at present. Dong Dawei, a credit card expert in Caicai, said. Com said that data analysis is the basis of risk management, and the development of big data technology will create technical conditions for information-based risk management, which can greatly improve the timeliness of judging stolen credit cards.
Experts suggest that cardholders should pay attention to keeping personal and card information when swiping their cards abroad. If you are worried about overseas credit card swiping, you can apply to the bank to close overseas card-free payment or ask for the opening of advanced verification methods such as "reserved mobile phone dynamic verification code" and "dynamic password". In addition, some banks and insurance companies have also introduced "theft insurance", which can provide certain protection for credit card swiping.
Foreign credit card anti-theft brush is done in six steps
The daughter of a very popular mother in Weibo was studying abroad, and her credit card was stolen and swiped for $500. Credit card security has always been a problem that cannot be ignored. Then, as an overseas person or a small partner traveling abroad, how should we prevent the risk of credit card being stolen?
First, activate the SMS prompt function, and once suspicious transactions are found, the bank will be notified immediately. It is recommended to unlock the credit card password before going abroad, because the credit card of the mainland bank is swiped overseas and it is impossible to enter the password. The card has a password, and the bank is authorized by the cardholder by default. It is easy to shirk the responsibility if it is stolen.
Second, sign your name on the back of the credit card and swipe it with your signature, so that even if the credit card is stolen, the merchant has the responsibility to bear the risk of swiping it, because it is not his signature.
Third, write down the last three cvc numbers on the back of the credit card and scrape them off. These three digits are security codes, and even the issuing bank may not know them, so as long as the cardholder remembers the security codes and scratches them off, the risk of online shopping being stolen can be greatly reduced.
Fourth, we should develop good credit card habits. When using the card externally, remember not to let it leave your sight. In particular, don't give the card to the waiter in the store to brush it easily, so that the card can't leave the body, so as to avoid the card being leaked or leaked.
Fifth, try to choose regular online shopping channels, such as Amazon.
Sixth, create conditions to apply for a credit card from a local bank as soon as possible. Although it is not convenient to swipe the mainland card directly, the local credit card helps to accumulate personal credit and is not easy to be stolen.
This concludes the introduction of stealing credit cards in Europe and whether it is illegal to steal credit cards in Europe. I wonder if you found the information you need from it?