If someone steals your credit card, you can report it to the local police station.
Don't panic if your credit card is stolen. You can reduce the loss by the following methods:
1. Contact the customer service staff of the issuing bank and inform them that the card has been counterfeited and stolen. At this point, the customer service staff will take the initiative to control the card after checking the identity information with you, and then take the following measures:
1. 1 go to the nearest ATM for inquiry and transaction;
1.2 alarm;
1.3 Copy the identity document of the card;
1.4 Fax the alarm record and ID card to the fax number designated by the issuing bank.
This is done to prove that the credit card is now in the hands of the customer, and the customer was not in the place where the fake transaction occurred when the fake transaction occurred.
With the above evidence, the issuing bank can generally assume that the customer's card was stolen after being recorded, which is not a personal fraud of the customer.
2. If the confirmation card is stolen by criminals, the issuing bank will cancel the customer's card and issue a new card for the customer. At the same time, check whether the funds have been cleared from the issuing bank. If not, it will be intercepted. This step is very sensitive to time.
3. After the staff of the issuing bank's operation department arrives, the deduction adjusters will contact the acquiring bank through the card organization, first try to freeze the settlement of the transaction funds of the acquiring merchants, and ask the pos machine to sign and check the signature. In this process, generally speaking, freezing small or controversial transactions may not succeed.
4. At the same time, the anti-fraud personnel of the risk control department of the issuing bank screen and investigate the merchants who illegally record credit cards according to the stolen credit cards and the historical transaction records of customers, combined with the data of other forged transactions in a certain period of time. As long as the data is huge enough, such as credit card banks such as the five major banks and China Merchants Bank, it is generally possible to quickly lock in pirated merchants.
5. After going through the above process, the card issuer's fee deduction adjuster will apply to the card organization for fee deduction adjustment of some transactions based on various evidences that are beneficial to him. After several rounds, if you succeed, you can avoid a loss.
6. The acquiring bank will decisively shut down the merchants who have illegally swiped their cards after investigation. Of course, many crimes are not so-called businesses, but may be cashier individuals or hacker groups. They use wifi in supermarkets and other places to invade their systems, intercept supermarket POS transaction information, and sell the information to counterfeit card criminals. In fact, this large-scale crime is the main channel for bank card information leakage.
7. If the issuer and the acquirer have not frozen liquidation, no criminals have been found. Sorry, the issuing bank will take care of it.
My credit card was stolen by someone else. What should I do?
Issuer-the responsible person who fails to report the loss in time.
The scope of responsibility of the issuing bank shall be stipulated in the service agreement signed by both parties when handling the card. The regulations of each bank are different. The same point is that the bank is only responsible for the losses caused by the failure to report the loss in time, and does not assume responsibility.
In order to attract business, some banks have introduced the card loss protection service, and the card thief will bear the responsibility within the limit within 48 hours (or 24 hours) (5000 yuan or 10000 yuan).
And set strict conditions (such as non-password withdrawal, the first time to report the loss). The responsibility assumed by the issuing bank shall be paid by the contracted insurance company.
Article 7 of the Law of People's Republic of China (PRC) Commercial Bank, when a commercial bank conducts credit business, it shall strictly examine the credit standing of borrowers, and ensure and guarantee the timely recovery of loans.
Extended data:
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; The amount is especially huge or there are other particularly serious circumstances.
A fine of not less than 10 years or a fine of not less than 50,000 yuan but not more than 500,000 yuan or confiscation of 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.
After the incident of stealing brushes in different places, we should pay attention to the following points:
1. Don't delete the SMS prompt of stolen brush.
2. Go to the bank business hall to print out the running bill, and then report it to the bank;
3. Don't use the bank card for a short time, and don't let the bank card have any transaction records; Convenient for public security organs to find criminal information;
4. Report the case to the public security organ with the running bill and stolen brush tips;