I found that the credit card was stolen and I must do these 6 things.

With the gradual improvement of people's living standards, taking a credit card overseas travel has become a familiar consumption method for many people. However, due to the lack of passwords for overseas credit card and the lack of consumer safety awareness, the “11” small holiday has just ended. The online credit card fraud incidents exposed by the Internet have emerged endlessly.

A few days ago, after a credit card was stolen, the "self-help strategy" was spread on the Internet. The reporter personally experienced a three-time credit card that was stolen by the country overnight. After the police and the bank call were invalid, they saved themselves through tactful self-rescue. Nearly 50,000 yuan in losses. Cardholders must not only be vigilant, strengthen the awareness of security cards, but also learn to save themselves to recover the loss of stolen brushes.

Thrilling stolen brush experience

In the early hours of the morning, the reporter received a transaction reminder from a bank credit card, prompting her to generate three total consumption of 8,000 US dollars, which was converted into RMB nearly 50,000 yuan. She quickly logged into the mobile app to view, these three consumptions are real, and I am sure that the credit card has been stolen. The reporter first dialed the bank credit card customer service hotline to freeze the card, stating the facts and freezing the credit card, in case the funds flow out again. However, because consumption has already occurred, the request to cancel these three overseas consumer transactions was rejected by the bank. On the way to the bank, the reporter also dialed 110 to report the case, but suffered some unpleasant twists and turns, so she decided to save herself to see if she can save the three consumption. She took a closer look at the specific contents of these three overseas consumption, all of which are US shopping websites. She randomly dialed the customer service phone number on the foreign shopping website, explained the situation to the customer service staff and cancelled the order in time to recover the loss.

What to do if you find stolen brushes

Although the bank can not cancel the three transactions, the card owner is still worthy of reference after the discovery of the stolen brush incident, the first time to call the credit card center to freeze the card and dial 110 for the alarm. After the overseas travel back to the country, the risk of stolen credit card will increase. Once the cardholder discovers that the credit card has been stolen, he must take timely action and seize the "golden 72 hours" to take self-help. First, the cardholder should immediately modify the account and password after receiving the stolen SMS message to avoid being stolen again. Second, go to the nearest ATM machine or merchant for a cash withdrawal or consumption, and save the transaction receipt or call to inform the bank that the card is on the person, not the cardholder’s own consumption but theft. Brush, this is the best evidence to prove the location of the real cardholder in the later period. Third, the first time to call the credit card center customer service phone, contact the card issuer to deny the transaction and freeze or report the loss of the card, in case the funds flow out again. Although most of the bank's customer service calls are online 24 hours a day, it still takes a lot of trouble to call the manual customer service at night. However, the loss reporting operation can be done directly by dialing the shortcut key. In the case where the manual customer service is not available, the cardholder can complete the self-service first. Report loss. Fourth, at the same time as the loss of the card, the cardholder can make a request for mediation to the bank to inquire about the merchants who steal the consumption. Fifth, there are customer service calls on many foreign shopping websites. After the order is completed, there is a certain time to cancel the processing. The processing of the bank takes a certain amount of time, and the completed purchase cannot be unilaterally cancelled, and the customer service calling the website concerned can handle it more quickly. Sixth, after the bank card application is frozen, dial 110 or go to the police station to report the case, present the original card of the bank card to the case-handling personnel, obtain the report receipt or the notice of the case, etc., and then apply for compensation for the loss of the stolen brush. If the bank is negative Responsibility but no compensation, you can also file a lawsuit.

Daily prevention can not be ignored

With the continuous improvement of people's living standards, overseas travel card holding has become a popular consumption method for many people. How can consumers properly swipe their cards overseas to effectively reduce the risk of stolen?

Open payment reminder function

Most of the overseas piracy incidents are discovered after the cardholder receives the bank payment reminder. The cardholder should ensure that the payment reminder has been opened before the overseas consumption, so as to ensure that the card changes can be learned in the first time. At present, some banks' credit card centers no longer provide free SMS reminders. Cardholders can open internationally receive SMS or telephone roaming services before they travel, and pay for additional SMS reminders. If you have a network outside the country, you can also bind your personal information and cards to the WeChat public account and APP in the credit card center to get the latest consumption trends. Under normal circumstances, the bank will monitor the credit card consumption in real time. If it is found that there is a large abnormality in the card swipe area and the merchant, it will also contact the cardholder to confirm the call. If the contact card cannot be contacted due to communication problems, it may be carried out. Unilateral freeze card processing.

Swipe the card without leaving the line of sight

Cardholders must improve their security awareness when swiping their cards abroad. Do not leave credit cards away from their line of sight, or swipe their cards at small businesses or POS machines of informal merchants. Because overseas credit card does not require a password, many overseas credit card theft cases are caused by the leakage of card information. Do not leave the credit card to the store staff to checkout, to ensure that the "people card is not separated." ID cards and cards are best stored separately to avoid the risk of more stolen brushes when stolen or lost.

Keep your CVV2 code safe

The consumption habits of overseas credit card are different from those in China. Overseas customers do not need a password to only recognize the signature. The cardholder can set a signature that is difficult to imitate in the back signature column. At the same time, it must protect the last 3 CVV2 codes printed next to the signature column. As long as there is no last 3 digits, the thief will not succeed even if he successfully copies the card withdrawal. Cardholders can use tape to cover or directly remember to scrape these 3 places, but also try to avoid personal credit card information on unfamiliar shopping sites, reducing the risk of being stolen.

Change card after returning home

For cards that are at high risk merchants and may be at risk of information leakage, many credit card centers will notify you by phone or SMS after the cardholder returns home, and provide a free card replacement service. The cardholder should cooperate with the card-issuing card after receiving the card replacement proposal, and change the new card to reduce the risk of stolen brush.

Buying a copy of "Anti-theft Brush" can also be safe

At present, a number of bank credit card centers and insurance companies have jointly launched a series of fraud insurance and lost card protection rights, cardholders can purchase according to their own needs. Pufa Credit Card launched the VIP version of the “Private Free Card Protection Plan”. The time for the loss of the card is extended to 96 hours before the loss, and the amount of the single guarantee is 50,000 yuan. The total amount is 100,000 yuan, and the card is lost. The maximum compensation is 500 yuan. The "Worry-Free Card" service launched by the Bank of Communications Credit Card Center includes the "72-hour lost card protection" function, and the loss of funds stolen by the cardholder within 72 hours before the loss of the cardholder can be paid. A quarterly fee of 12 yuan, the maximum payout of 40,000 yuan per card per year. Alipay also launched the "bank card security insurance". After the customer is insured, all bank accounts under his name, whether it is a debit card, a credit card, or online banking or mobile banking, can be settled as long as they are stolen. It should be noted that the payment conditions of these banks are different. Cardholders must carefully study the relevant payment terms before purchasing, and should not rely too much on these “piracy insurance” to protect their bank cards and improve security. Card awareness is still the key.

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