1. If you can't find the thief, you can't solve the case;
2. The responsibility will go to the bank, but if you can't prove your alibi when you were stolen, the bank may pass the buck;
3. Let the credit card merchants be responsible, but the merchants have fulfilled their due responsibilities. For example, the signature is consistent with the signature column on the card, or the merchant cannot be found;
4. In the end, the cardholder will bear most of the losses.
Emergency treatment of credit card theft
1, immediately prove that you are not in the stolen place, go to the nearby ATM as soon as possible, and the bank will use this card to withdraw money or do business;
2. Call the police and keep your cards and vouchers for cash withdrawal or business;
3. Freeze the credit card, contact the bank customer service and explain the situation. Freeze the card immediately to avoid further loss.
4. Repay in time before the repayment date; Don't be angry and don't pay back the money until you trace it or confirm with the bank how to solve it! Because you don't pay back, the bank may also give you overdue, and you will have to pay late fees and interest.
In fact, instead of pinning our hopes on the compensation after the bank case, we should keep an eye on ourselves and take some measures.
Precautions.
First, the most important thing for cardholders is to take care of their credit card and password information. If you put your credit card in a carry-on bag, make sure the mouth of the bag is sealed. Don't leave your bags, suitcases or coats with credit cards in public places. At work, it is best to lock your personal belongings in a cupboard or drawer. Don't leave your personal finances behind when you are on vacation.
In a hotel room, on the beach or by the swimming pool.
Second, when applying for a credit card, you'd better choose a password and sign it. The password should not be similar to your birthday or phone number as far as possible, and it is best to be difficult to imitate when designing a signature.
Third, apply to the issuing bank for SMS notification service, and you can receive SMS for every business.
Wake up and take immediate measures to protect yourself when encountering suspicious transactions.
Fourth, don't shop in informal businesses or online shopping malls. Some criminals use high technology to install software that can obtain credit card information on POS machines or the Internet, and the information generated by cardholders' card transactions will be automatically sent to criminals. Therefore, if cardholders shop, if they have to go to some small and informal places for some reason, they still have to choose regular businesses.
Merchants also try to use cash.
Fifth, try to avoid operating online transactions on public computers and try to choose regular online merchants.