"What should I do if my credit card is stolen?

Yesterday I experienced a false alarm:

Xiaowu's cousin sent several messages:

"My credit card was stolen! ! "

"I just saw a charge in the bill, not me at all! ! "

"What should I do?"

Xiaowu has seen the news for half an hour. Just want to make a phone call to ask a clear question, she received her message again:

"it doesn't matter"

"I remember, this one was painted for others a few days ago, and I forgot."

Emmmmm？ This product is really crazy, but I still have a good temper to comfort her:

Speaking of it, it is not uncommon for credit cards to be stolen in recent years. Once this happens, panic is inevitable, so what should I do after being stolen? Xiaowu will talk to you today.

First of all, where is the card?

Is it really stolen?

Don't panic when you receive a consumer reminder that you didn't brush it yourself. First, check whether you still have the credit card. At the same time, call the credit card customer service to confirm the authenticity of the consumption SMS (someone has encountered phishing fraud before and the information is false). The customer service phone number is usually written on the back of the credit card.

If you lose your card and don't report it in time, you can only ask for help except to report it and freeze it. Do you want compensation? The bank is not responsible; If the card is still there and the money is stolen, you can operate in the following order.

I still have the card and it was stolen.

How to operate?

1, report the loss

The purpose of reporting the loss is, of course, to stop the loss in time. What if the other party continues to steal the brush? Aren't you angry?

Step 2 get evidence

Go to a nearby bank or ATM to withdraw cash, and prove that the card is still there. Someone wants to ask, how can I withdraw money if my card is frozen? When the ATM prompts that the withdrawal is unsuccessful, you can take a photo with your mobile phone as evidence. At the same time, if the withdrawal is unsuccessful, there will be a short message reminder that "the transaction failed due to abnormal status", which will generally be recorded on the bill.

Of course, many people think that the more reliable order is to withdraw cash first and then report the loss and freeze it. Xiaowu thinks it's ok if the bank or ATM is close to you and doesn't delay time.

Go to the bank outlet to print the transaction information, and the bill should include the transaction information of unsuccessful withdrawal just now. It is necessary for the bank staff to write a sentence on the bill: "The above materials are consistent with the internal data of the system" and sign it.

If it is stolen from a different place, pull a phone record of your credit card during the stolen period to prove that you are not in the stolen area (or abroad).

Step 3 call the police

The standard for filing and prosecuting credit card fraud (using someone else's credit card) is more than 5000 yuan. If you are satisfied, you can go to the police station to report the case (you can also try if you are not satisfied). Materials to be prepared include:

Copy of ID card and credit card

The credit card bill of the stolen transaction mentioned above.

If it is stolen from a different place, provide your phone records during the stealing period.

Under normal circumstances, your household registration location, the location of the issuing bank and the police station where the case occurred will be accepted. After accepting the case, after completing the transcript, let the police station issue you a "Case Receipt"; If no one really wants to accept it, let the police station issue a notice not to file a case, write down the police's alarm number and affix the seal of the police station.

Step 4 provide bank information

Next, go to the bank ~ take the original receipt of the police station (or the notice of not filing a case), a copy of the bank card ID card and a written confirmation letter to the bank (PS: the confirmation letter will be provided by the bank, similar to the guarantee letter, to ensure that the money is stolen)

After completing these steps, wait for the bank to call. It is estimated that the waiting time will be a little long. After all, it involves many links and needs to be carefully confirmed by the bank.

I haven't heard from you. Have you waited too long?

What else can I do?

Xiaowu saw a case before, in which a reporter from Yang Guang was stolen and swiped more than 8,000 US dollars in the middle of the night (at that time, it was equivalent to about 54,000 RMB), and it took the shortest 3 working days and the longest 45 working days to get the results. She was impatient and decided to save herself. She found that the thief shopped at three foreign websites and swiped the card, so she called three customer service people, described the process of stealing the card and provided the credit card number. The transaction was successfully cancelled.

However, the reporter was successful because the online shopping credit card did not arrive immediately. If you contact the merchant before settlement, you can cancel the order. If you are shopping in a shopping mall, there is no way out.

Under normal circumstances, it is better to wait for the bank to handle it. A card friend in Zhihu shared that if the waiting time is too long, you can also call the CBRC to complain. Under normal circumstances, the CBRC is required to reply to the prescription, that is to say, if you complain to the CBRC, the CBRC may give priority to your situation.

The above is about how to deal with the problem of sharing stolen brushes.

In addition, Xiao Wu also reminded everyone to take preventive measures at ordinary times, such as:

It is safer to choose a reputable card issuer and a chip card from a big bank.

You can set the daily limit of credit card consumption and the limit amount of each transaction.

Keep the CVV2 code (the last three digits of the signature column on the back of the credit card) properly and cover it with opaque tape.

I hope the above can help everyone!

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