What should I do if my credit card is stolen without leaving my body?

Core tip: the credit card is clearly in your own hands and has not been consumed. The bank texted how much it had spent. It is not uncommon for this kind of credit card to be stolen in practice, but many people are panicked after discovering that their credit cards have been stolen. I don't know what to do. Bian Xiao, a legal experience of Legal Express, tells you that if you find that your credit card has been stolen, you must first contact the issuing bank and ask for freezing the credit card.

What should I do if my credit card is stolen?

The first step is to contact the issuing bank and ask for a freeze.

Now there are usually SMS reminders or email notifications from banks. Credit card holders should immediately communicate with the issuing bank after discovering that their credit cards have been stolen, and ask the issuing bank to take relevant measures immediately to avoid greater losses.

Step 2: Keep the evidence to prove that I didn't consume it.

After confirming that the credit card has been stolen, if conditions permit, you should go to the nearest ATM to inquire or withdraw cash, or you can spend it at convenience stores at will. Keep the consumption receipt, and prove that I didn't do the previous spending behavior of swiping the card in different places.

The third step is to report the case.

Call 1 10 immediately or report to the public security organ. But usually 1 10 will ask the cardholder to go to the public security organ near the credit card bank for investigation, or call the police at the nearest police station. After the alarm, the most important thing is to ask for the alarm receipt and other documents so that they can be submitted in the future bank investigation.

The fourth step is to contact the merchant to stop the transaction and actively urge the claim.

After receiving the report of stolen brush, the bank will not solve it immediately. Generally reply to the cardholder within five working days. During this period, banks may not necessarily propose actions such as stopping transactions to consumer institutions. In order to reduce their own losses, while waiting for the bank's reply and action, we should actively contact the merchants involved in the stolen brush, stop the stolen brush transaction and recover the money from the merchants to the maximum extent. Because the investigation period of stolen brush is uncertain, in order to avoid affecting the credit record, the amount of stolen brush should be paid in advance before the responsibility of stolen brush is determined.

At the same time, we should also keep relevant evidence, whether it is a consumption receipt that proves that it is not my consumption or a report record, we need to keep it well.

Relevant experience-bank card loss of insurance;

Card loss protection is a card security service provided by card issuers. After the cardholder loses his card, as long as he reports the loss to the issuing bank in time and goes through the relevant formalities, he will not have to bear the loss of stolen card within 48 hours or 72 hours before the loss is reported (different banks have different policies).

China Merchants Bank may apply to China Merchants Bank for compensation for the stolen losses (excluding transactions with passwords) that occurred within 48 hours before the loss was reported. The compensation standard is 6,543,800 yuan per year for Puka, 6,543,800 yuan for Gold Card and 5,000 yuan for Platinum Card.

Overseas guarantee 72 hours before loss reporting by Shanghai Pudong Development Bank/domestic guarantee 48 hours before loss reporting; Pay according to the credit limit, with a maximum of 654.38+10,000 yuan.

Bank of Communications will guarantee the card 72 hours before the loss is reported, and the maximum compensation amount is 40,000 yuan/card/year.

The maximum compensation limit is the full credit line of card loss protection 48 hours before the loss report of Guangfa Bank.

Huaxia Bank has the longest time limit for card loss protection, which is 120 hours. China elite? The maximum loss guarantee of Zunshang Platinum Credit Card is RMB 6,543,800+,that of Titanium American Card is RMB 50,000, that of Titanium Gold Card is RMB 30,000, and that of Gold Card is RMB 6,543,800+5,000.

Industrial Bank must activate the card security function, get a monthly 4 yuan, and get compensation within 48 hours before reporting the loss. There is no limit to the number of payments, and the maximum cumulative limit is 20,000 yuan.