What should I do if my credit card is stolen

what should I do if my credit card is stolen?

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. Some friends used the credit card of Agricultural Bank of China, which was stolen and swiped due to their carelessness. So what if ABC's credit card is stolen?

1. Generally, after discovering that your card has been stolen, you should call the bank customer service at the first time to freeze the card. At the same time, go to the public security organ to report to the police. If it is stolen from a different place, you can immediately withdraw money from an ATM machine or bank with a camera nearby to confirm that the bank card is in your hand.

2. For credit cards, information protection is very important, one is personal information, the other is card information. Such as, expiration date, security code and other card information, don't tell others. In particular, the security code on the back of the card can be properly shielded during daily use.

3. In addition, the SMS notification service is launched, which can ensure that the cardholder can get the information at the first time when the account is used. Once the card is stolen, you can report the loss of the card as soon as possible. The function of loss reporting cards is that some cards come with loss protection service, which can prove that those who are not themselves can be exempted from repayment within a certain period of time before loss reporting.

generally speaking, personal information such as ID number and birthday should also be kept confidential as much as possible. Credit cards should be used only by the cardholder himself, and credit cards should not be lent to others.

What should I do if my credit card is stolen and swiped?

From a civil point of view, the relationship between the thief and the cardholder is tort liability, and they should be responsible for returning the property according to the provisions of the Civil Code. From the point of view of criminal law, if the embezzler steals a certain amount, it constitutes a crime and needs to bear the corresponding criminal responsibility. There is a contractual relationship between the bank and the cardholder, and the bank is obliged to provide the necessary safe and confidential trading environment to protect the cardholder's property. If a bank fails to fulfill its security obligations, it constitutes a breach of contract and should bear the corresponding liability for breach of contract. Article 196 of the Criminal Law, whoever engages in credit card activities under any of the following circumstances, if the amount is relatively large, shall be sentenced to not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, it shall be sentenced to not less than five years but not more than ten years, and a fine of not less than 5, yuan but not more than 5, yuan shall be imposed; If the amount is especially huge or there are other particularly serious circumstances, it shall be sentenced to not less than 1 years or, in addition, a fine of not less than 5, yuan but not more than 5, yuan or confiscation of property: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the act that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank. Those who use credit cards simultaneously shall be convicted and punished in accordance with the provisions of Article 264 of this Law. "Article 264 of the Criminal Law stipulates that public or private property, with a relatively large amount, or repeatedly entering a house, carrying a murder weapon or pickpocketing, shall be sentenced to not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, it shall be sentenced to 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, it shall be sentenced to more than ten years or, in addition, a fine or confiscation of property. The employer and the employee fail to reach an agreement on changing the contents of the labor contract after consultation.

what if the credit card is stolen? Can the bank recover it?

If the credit card is stolen, there is a chance to recover it. If the credit card is stolen, please call the police immediately and inform the bank that the police and the bank will try their best to recover the loss; Banks have specific exemption periods. During the exemption period, feedback on the stolen credit card and proof that the credit card was not swiped by myself can exempt repayment responsibility.

if the credit card is stolen without knowing it, you can choose to report to the police and file a case with the police. Of course, you don't need to bear the amount of stolen credit yourself. Even if bad credit occurs during this period, it can be erased after the police close the case.

If your credit card is stolen, you should call the police immediately. If you can solve the case, you can usually get your money back. If the information clues are not clear, the chances of getting them back are slim.

Credit card is a non-cash transaction payment method, and it is a micro-credit payment tool provided by banks to users. The earliest credit card appeared at the end of 19th century.

Credit cards are divided into credit cards and quasi-credit cards, which can provide settlement services, facilitate shopping and consumption, and enhance the sense of security; Simplify collection procedures and save social labor; Promote commodity sales, social needs and other characteristics.

Credit card is a special card issued by banks or other financial institutions to those with good credit standing, which is used for shopping and spending in designated businesses or for depositing and withdrawing cash in designated banking institutions. It is a special credit certificate.

What should I do if my credit card is stolen?

First, freeze it. Call the manual customer service phone to freeze the credit card and terminate all transactions;

second, alarm. If the police file a case for investigation, they will show the receipt form, and the cardholder needs to store it well;

third, investigate and collect evidence. Verify that the stolen swiped card is indeed on the cardholder. If you are worried that the card can't be investigated and collected after being locked, you can conduct investigation and collection work first;

fourth, complaints. Before solving the problem, the cardholder must repay the loan normally, which can also prevent personal credit information from being affected by loans overdue. At the same time, the cardholder can contact the issuing bank to apply for cancellation of the stolen consumption, and the bank will give a response within a certain working day.

Liability for stolen credit cards

Under the current legal framework, the liability of all parties is as follows:

1. The embezzler-the first responsible person.

The relationship between the embezzler and the cardholder is tort liability, so they should be responsible for returning the property in accordance with the provisions of the Civil Code and the Civil Code. If the amount exceeds a certain amount, they should also be criminally responsible for the crime in accordance with the provisions of the Criminal Law (the starting point of Beijing crime is 2 yuan). However, the detection rate of this small-scale economic crime is low, and the thief often cannot find out, so he can't bear the responsibility of returning the money. Therefore, credit card theft eventually becomes the responsibility of the cardholder, the bank and the credit card merchant.

2. issuing bank-the responsible person who failed to report the loss in time.

The scope of responsibility that the issuing bank should undertake is stipulated in the Service Agreement signed by both parties when handling the card. The stipulations of different banks are different. * * * The same point is that banks are only responsible for the losses caused to cardholders when they fail to report the loss in time, and they are not responsible for anything else. Recently, in order to attract business, some banks have launched a card loss protection service, in which the stolen credit card within 48 hours (or 24 hours) is liable within the limit (5, yuan or 1, yuan), and strict conditions are stipulated (such as non-password withdrawal and loss reporting at the first time). The responsibility assumed by the issuing bank shall be paid by the contracted insurance company.

3. Credit card merchant-the person responsible for failing to fulfill the reasonable audit obligation.

for the credit card withdrawn only by password, the credit card merchant has the obligation to check the password; For a credit card withdrawn by signature, the credit card merchant has the obligation to check whether the signature of the cardholder is consistent with the reserved signature. Credit card merchants only assume corresponding responsibilities when they fail to fulfill the above obligations.

4. Cardholder-the responsible person who fails to fulfill the obligation of proper custody.

according to the agreement signed between the cardholder and the bank, the cardholder should take good care of the credit card, and once the card information is lost or stolen, the cardholder should bear the responsibility equivalent to the fault of not taking good care of the credit card. Once the credit card is stolen, most of the responsibility may lie with the cardholder.

what should I do if my credit card is stolen and swiped? What should I do if my credit card is stolen and swiped?

1. Call the customer service of the issuing bank immediately to explain that my credit card has been stolen abroad, and the customer service will freeze my credit card after verifying my identity to avoid further theft and swiping.

2. Then the customer service will ask for evidence to prove that the card is on him, and the off-site consumption has nothing to do with him. Then you can make an inquiry about taking a recent photo of an ATM machine, because the transaction will fail if the card is frozen, and you should save the failed transaction document as a voucher.

3. After the bank proves that the credit card has been stolen, it will report the situation to the anti-fraud department, which will contact the merchant to recover the money. If the funds have not been liquidated, the bank will ask the clearing party to cancel the transaction, and then the stolen money will be returned to your account. In this case, your money may come back.

what should I do if my credit card is stolen?

Once a credit card is stolen, three measures should be kept in mind:

First, freeze or report the loss in time. Call the official customer service phone of the issuing bank as soon as you find the credit card stolen, inform the abnormal transaction, and freeze the account or report the loss of the card in time. If the third-party payment platform is involved, immediately contact the telephone to control the withdrawal of funds.

Second, report the case to the public security organ immediately. Keep the receipt of the case. Describe the stolen credit card in detail, and prove that the credit card is still kept by myself, and the stolen credit card consumption is not my own doing. Some payment institutions require cardholders to provide a receipt of the case as proof of denying the transaction.

the third is fixed evidence. Immediately make a card transaction at the nearest ATM or POS to prove that the card is not lost on you and the fixed electronic evidence witness card is not separated. If the card has been frozen or lost, the card will not be swiped successfully, and the card may be swallowed when trading through ATM. Please don't panic, just follow the relevant regulations of the bank.

Extended information

To prevent the credit card from being stolen, we should pay attention to three aspects:

First, keep it properly. Take good care of the credit card and the corresponding documents, the information and password on the credit card face, and the mobile phone number reserved when handling the card. Don't give your credit card to others or tell them your password. If you handle mobile banking or online banking, you should be vigilant when operating transactions and pay attention to account changes in time.

the second is to standardize payment. Go to a regular merchant to swipe your card. Pay attention to whether there are suspicious devices around you when swiping your card, and keep a safe distance from others when entering your password to prevent your password from being peeked at. Improve the vigilance against phishing websites, unsafe links and telephone calls, and do not enter passwords in an unsafe environment to avoid information leakage.

the third is to open SMS reminders. Try to open the credit card SMS notification function and pay attention to it at any time, keep abreast of the changes in funds, improve the response speed and prevent the loss from increasing.

This is the end of the introduction about how to handle the theft of credit cards and how to handle the theft of credit cards. Did you find the information you need?