Credit card payment

Will the bank pay for the stolen credit card? Is the bank responsible?

Stolen credit cards need to be handled according to the situation. Collect evidence to see who is responsible for more. If there is no strong evidence, both sides will bear half of it. So what should we do?

There are two main reasons why bank cards are stolen:

1. Personal information of the victim (ID number, telephone number, bank, etc.). ) was leaked, the suspect obtained the dynamic verification code by modifying the mobile phone number associated with the victim's bank card and swiped the victim's bank card.

Second, after the victim swiped the card on the POS machine with Trojan horse program, the bank card and password were stolen by the criminal suspect, and the obtained information was used to clone a bank card exactly like the victim for stealing.

Negotiate with the bank for compensation after the credit card is stolen:

1. Cardholders get zero compensation.

Because the card is lost and stolen, the cardholder can't prove that the credit card is a clone card, and the password is needed to swipe the card, so he tends to judge that the cardholder is fully responsible. Generally, cardholders cannot get compensation from banks.

2. The cardholder gets 50% compensation.

This situation is generally because the card is lost and stolen, but when swiping the card, it is signed for consumption. Then the attitude will tend to consumers, thinking that banks have the conditions, opportunities, abilities and obligations to prevent criminals from using self-service banks and ATM machines to commit crimes, so as to ensure the normal operation of financial management order and the safety of depositors' deposits, then depositors are more likely to get 50% compensation.

3. The cardholder gets 100% compensation.

This situation requires cardholders to have a certain awareness of credit card risk prevention in advance.

Reminder: When the bank card is stolen, you should call the customer service of communication operators, banks and online payment platforms in time, suspend the service and cancel the fast payment method. If the cardholder finds that his bank card has been stolen, he should report it to the local police in time. The police will take action to help them recover their losses.

Also introduce two cards:

An easy platinum card can enjoy all kinds of services of a quasi-platinum card, and the threshold for handling a card is far lower than that of an ordinary platinum card. Necessary artifacts for traveling abroad are free of currency conversion fees and annual fees.

Can I pay three times for the wrong deduction of my credit card?

It is not uncommon for banks to deduct the wrong amount. Ms. Deng, a citizen, has encountered such a thing, but Ms. Deng thinks that this is because the bank fabricated facts and deceived its own deposits, which belongs to asking the bank to guarantee triple compensation according to consumer rights and interests.

Case review

Half a month ago, when Ms. Deng was on a business trip, she suddenly received a short message from the bank, saying that the due repayment amount of the credit card was 10000 yuan, while the savings card account bound by the credit card was only 2000 yuan, which was not enough to pay off the arrears. Because Ms. Deng usually doesn't spend much money, she is very confused about this arrears. However, because of her trust in the bank and fear of causing bad records to affect her reputation, she deposited more than RMB 10000 into her credit card through the ATM. After returning from a business trip, Ms. Deng found that she didn't owe money, but the bank had deducted 1 10,000 yuan from her credit card.

Ms. Deng believes that the bank fabricated facts, induced its own deposits and occupied them privately, which constituted fraud, and asked the bank to make triple compensation according to the relevant provisions on consumer rights protection, but it was rejected. The bank said that it was caused by the failure of the settlement system, and Ms. Deng's extra money could be returned.

doubt

If the credit card is wrongly deducted by the bank, can it be compensated three times according to the relevant regulations on consumer rights protection?

There is no right to ask the bank to triple the compensation, but you can ask the bank to return the money and compensate for the loss of interest.

Article 55 of the Law on the Protection of Consumers' Rights and Interests stipulates: "If an operator commits fraud in providing goods or services, it shall increase the compensation for the losses it has suffered according to the requirements of consumers, and the amount of compensation shall be three times the price of the goods purchased by consumers or the cost of receiving services; If the increased amount of compensation is less than that of 500 yuan, it is 500 yuan. " However, the applicable condition of this clause is that "the operator has fraudulent behavior when providing goods or services".

First, the behavior of banks does not constitute fraud in protecting consumers' rights and interests.

Deceiving consumers means that under the condition that both parties enjoy information equally, one party conceals the truth with false words and deeds and deliberately deceives the other party. Just because there is something wrong with the bank's settlement system, you can't assume that the bank deliberately informs false information or deliberately conceals the real situation, so as to achieve the purpose of embezzling your money.

Second, as far as the nature of bank behavior is concerned, bank behavior belongs to unjust enrichment.

That is to say, the bank has no contract and legal basis for occupying your 10 thousand yuan, but objectively occupies your money. According to the relevant laws and regulations, the bank can be required to return the money and compensate the interest loss caused by it.

How to pay for the stolen credit card? All these situations are ok!

Nowadays, everyone's daily payment is inseparable from the credit card, and once the credit card is lost and stolen, it is a very troublesome thing. If the responsibility of the bank is involved, you can claim compensation. If you are in charge, there is nothing you can do. So how to pay for the claim for stolen credit cards? Let's analyze the situation for everyone.

1. Why is the credit card stolen?

It may be that secret payment has been opened or the credit card has been lost, or it may be directly regarded as a fake card, and the digital leakage on the back of the credit card will lead to theft.

2. What can I pay for the stolen credit card?

1, when the debit card is stolen or the magnetic stripe causes financial loss.

2. When you are threatened by others and have to reveal your credit card and password.

3. When the credit card password is illegally cracked.

4. After the debit card is stolen, the funds in the card are taken away at the bank counter or ATM.

Third, how to compensate for the theft of credit cards?

In case of stolen brush, the cardholder should prepare relevant information and report to the police immediately, and then send a report receipt and statement letter to the bank to apply for compensation. The other party will verify the user's stolen brush and the loss amount. If it is within the scope of compensation, the loss shall be borne by the bank.

The above is about "what can I claim if my credit card is stolen?" How to claim? " The answer, I hope to help everyone. When using credit cards at ordinary times, you must pay attention. When entering the password, cover it by hand and change the password irregularly. Don't swipe your card on an irregular pos machine, and don't click on illegal phishing websites, otherwise the consequences will be very serious.

Will the bank compensate for the stolen credit card? Yes, but within the time limit.

At present, more and more people use credit cards, but Cai Xiao found that due to the lack of information security awareness and means renovation of many guest officials, cases of credit card loss and theft are endless. Cai Xiao learned that many banks have introduced different lost card protection systems to protect the security of cardholders, but the rules are quite different.

According to the survey of Cai Xiao, Agricultural Bank, China Bank, Shanghai Pudong Development Bank, Ping An Bank, etc. The holder will be compensated for the stolen brush losses that occurred 72 hours before the loss was reported, and Guangfa Bank, China Merchants Bank and Bank of Beijing will compensate the holder for the stolen brush losses that occurred 48 hours before the loss was reported.

However, it should be noted that during this free protection period, the bank will not completely and unconditionally pay all the stolen brush losses. For example, Ping An Bank said that cardholders can apply to the bank to assume responsibility, but the premise of providing compensation is "the payment clause applicable to the protection of lost cards"; The 48-hour card loss guarantee service provided by China Construction Bank is only for overseas card loss; The 72-hour card loss protection service provided by ICBC is only "one year's account security insurance without spending money within one year from the date of credit card consumption".

"The bank's compensation premise is that the cardholder's credit card is lost, stolen or stolen, or the credit card and password are coerced to others for use, resulting in economic losses caused by the theft of the credit card. For example, if you don't pay attention to revealing the password, you will trade through the password after losing the card. This is not easy to judge, and you will not pay directly. " The customer service staff of many bank credit card centers stressed.

According to the recommendation of credit card staff of many banks in Cai Xiao, many credit card holders have opened a small function of secret-free payment for the convenience of payment. Once the card is lost, it is a big hidden danger. Lost card protection is to pay some compensation for transactions that are not conducted through the transaction password. If the cardholder reports the loss to the bank at the first time, the bank can compensate the cardholder for the loss of theft within a certain period of time before reporting the loss.

The compensation amount of each bank is also different. For example, the guarantee amount of Guangfa Bank, the maximum guarantee amount of each card is the consumption amount of the card on the day of fraudulent transaction (including permanent consumption amount, temporary consumption amount and floating amount, except for self-owned deposits); Ping An Bank's guarantee amount shall not exceed the upper limit of the card's fixed credit limit, and the maximum amount shall not exceed RMB 50,000; The maximum guarantee amount of Bank of Beijing is also 50,000 yuan; China Merchants Bank, China CITIC Bank, China Bank, etc. , according to the level of the card set different maximum compensation amount.

In addition to the protection of stolen brushes without spending money, more banks have introduced the payment service of stolen brushes that requires fees. Therefore, under the advice of the bank customer service staff, the guest officer can pay a certain fee to upgrade and get service according to his own needs. For example, CITIC Bank's "stolen brush treasure" extended the protection period of stolen brush from 48 hours to 72 hours. After the loss occurs, you can report the loss through WeChat at any time, and get compensation within 10 working days, and the claim amount will also rise to 65,438+10,000 yuan; The "worry-free service" of Bank of Communications has the same payment period and maximum payment amount as that of CITIC Bank; Shanghai Pudong Development Bank extended the payment time from 72 hours to 96 hours. The "security guard" of Guangfa Bank is not limited by the time limit for reporting the loss. However, if a guest officer wants to have these guarantees, he needs to pay an average of 2-8 yuan to the bank every month.

For the safety of credit card use, Cai Xiao once again reminds cardholders not to give their passwords to others at will, and at the same time, he actively opens the account change prompt service, so as to know the use of funds in the card at the first time and pay close attention to whether there is any abnormality in the monthly bill. If the card is lost or stolen, you should immediately call the credit card center to report the loss, so as not to cause greater economic losses.

The introduction of credit card payment ends here.