Double Eleven: The Risk Of Stolen Credit Cards Has To Be Avoided.

Do you know which behaviors often lead to the theft of your credit card? If the credit card is stolen, how can you maximize the loss? Will the card issuing bank compensate for the loss of stolen brush? How should we guard against the theft of credit cards? How do you normally guard against the theft of credit cards? Close to eleven, while you are preparing to go shopping madly, you should also pay attention to your credit card security. After all, the more consumer opportunities, the higher the frequency of credit cards, and the greater the risk of personal information being leaked.

Will the bank compensate for the loss of stolen brush?

Referring to relevant reports, it can be found that there are great differences between the court and the users in terms of the burden of proof, the scope of liability and the proportion of compensation due to the specific circumstances of the case. Sometimes cardholders need to take full responsibility. Sometimes banks take full responsibility. Sometimes the two sides share the responsibility proportionately.

Combing the relevant reports and judicial precedents in recent years, we can still find some "rules": if depositors can not prove that the stolen credit card is a fake card piracy, they can not obtain favorable evidence on the issue of password leakage and so on. Generally, it is very difficult to get compensation; otherwise, if the user can prove that the stolen brush is a fake card theft, and then under the joint investigation of the banks and public security organs, it can prove that the bank card's theft is the fault of the bank. Under normal circumstances, it is very likely that the user will win the claim for compensation.

Who will be responsible for the theft of a savings card? After the stolen credit card, the two sides also face many problems: cardholders complain about the difficulty of compensation, the long processing cycle and the different ways of handling banks, while banks need to face some risks such as malicious cash, counterfeit fraud and disguised "stolen brush".

　　 What kind of behavior will increase the credit card stolen brush? risk ?

The identity card is lost, personal identity information is leaked.

When the card is consumed, the POS machine is passive, and is copied by some bad businesses.

A credit card is lost while a mobile phone with a credit card is stolen.

Use unknown Wifi, login unknown website, scan unknown two-dimensional code, mobile phone poisoning, resulting in credit card number, validity period, CVV2 security code leak......

All of these behaviors will cause your name, credit card number, identity card number and cell phone number to leak. These four items are the necessary conditions for criminals to steal credit cards. If you have encountered such a situation, changing credit cards in time may help you avoid being stolen objects.

What should you do after the credit card is stolen?

First, cardholders should change their accounts and passwords immediately after receiving text messages, so as to avoid being stolen again.

Second, it is the best evidence to prove that the real card holder is in the late position of a ATM machine or a merchant who has made a cash withdrawal or consumption, and has kept the spanaction receipt or called the bank to prove that the card is not on the card itself.

Third, call the credit card center customer service telephone for the first time, contact the issuing bank to deny the spanaction and freeze or report the loss card, so as to prevent the fund from flowing out again. Now the bank's customer service telephone although most of the 24 hours online, but the night to make artificial customer service still need all kinds of twists and turns, but the loss of the operation can basically directly dial the shortcut keys to complete, in the case of no contact with the manual customer service, cardholders can complete the self reporting loss.

Fourth, when the card is lost, the cardholder may request the bank to ask for the order to inquire about the merchant who has stolen the money. Many foreign shopping websites have customer service telephones. After completion of orders, there is a certain time to cancel. The processing of banks takes some time, and the consumption that has already been completed can not be unilaterally cancelled.

Fifth, after the freezing of the bank card application, call 110 or report to the police station, produce the original card of the bank card to the investigators, obtain a report of receipt or notification of the case, and so on, which is an important proof of the compensation for the loss of theft.

　　 Guard against credit cards. Stolen brush You should pay attention to these.

Opening payment reminder function

Most of the fraudulent incidents were discovered only after the cardholders received the bank payment reminder. The cardholders should ensure that the payment reminder has been issued before consumption, such as the reminder of the balance change of the SMS, the WeChat public number of the issuing bank or the downloading of APP, binding personal information, receiving dynamic reminder, and ensuring that the card changes can be known in the first time.

In general, banks will monitor credit card consumption in real time. If there is a big abnormality in the credit card area and merchants, they will actively contact the cardholder to confirm that if there is no communication with the cardholder due to communication problems, a unilateral freezing card will be processed.

Keeping personal information properly

Cardholders should take good care of personal information, such as identity cards, business cards, driving licenses, property certificates and other identity financial information. When handling other businesses that need the above information, be careful to indicate that the contents of the business are restricted and the photocopies are invalid.

Make sure that your credit card keeps your line of sight.

When you consume credit card, you should pay attention to keeping your credit card within your own line of sight when you swipe your card. Do not swipe your card on the POS machine of a small business or informal merchant. Do not give credit card to the clerk to check out at any time. ID cards and cards should be kept separately to avoid greater risk of theft when they are stolen or lost at the same time.

Develop a good habit of using cards

The credit card purchase order should be kept in good order, not to be discarded at will. Do not lend the card to others. In non face-to-face consumption, we should be alert to network security, network fraud, telephone fraud and so on. In particular, we should not disclose the sensitive information such as card number, validity period, CVV2 security code, dynamic verification code, etc. to others.

　　 How to prevent foreign countries? Credit Card Robber scandal?

Us: spot checks on customer identities, fraudulent costs are high

There are strict rules in the United States that it is not allowed to use other people's credit cards to consume, even if a family does not allow it. Merchants will check consumers' ID cards periodically. They will refuse to accept cards if they find that the identity of the cardholders is inconsistent with those displayed on the credit cards.

If the cardholder reports the stolen credit card to the bank, the bank will freeze the card in time and send the new card to the cardholder, so the cardholder will not have to bear the loss. At the same time, the bank will ask the cardholder to call the police and verify the signature by checking the signature. Most banks buy credit card insurance, and the payment for cardholders is ultimately borne by the insurance company. Therefore, banks have no reason not to protect the interests of cardholders.

In the United States, stealing other people's credit cards is a serious crime. The punishments vary in different states, but they are generally more severe. For example, the Virginia law stipulates that the maximum penalty for stealing other credit cards is 10 thousand dollars and 20 years' imprisonment.

UK: developing biotechnology to identify consumer behavior

According to media reports, the security system adopted by the Bank of England in 2015 prevented about 70% of the fraud. Some of these measures include: developing new security tools, especially biometrics and consumer behavior recognition technology, etc. the spanactions of an account in the near future are quite different from those of the usual ones. They will confirm with customers in time. Strengthen cooperation with relevant departments such as government departments, financial regulators, etc., to jointly crack down on financial fraud and ensure timely communication of information and data; adopt various ways to remind users to cultivate safety awareness of accounts and guard against financial fraud.

At present, all major British banks have opened 24 hour customer service calls. If a credit card is stolen, the account will be closed as soon as the bank is called. The staff will check and send the new card.

Germany: the insurance mechanism is sound and the loss is being paid.

In Germany, if a credit card is found to be stolen, the cardholder can contact a credit card customer service or go directly to the bank counter to make a complaint. If it is confirmed that the hacker has forged a consumption record, the bank will ask the cardholder to fill out the compensation claim form and send it back to the complaint processing center, which can generally eliminate the fraudulent payment on the next settlement day. It is generally not more than 3 weeks to receive complaints from banks and eliminate fraudulent arrears, and there will be no stalemate and dispute between banks and cardholders. As long as it proves that the theft is not caused by personal faults such as lost cards, the cardholder will appeal successfully.

German savings bank staff said that banks will make huge investments in credit card insurance every year. The bank can make a claim to the insurance company if it has invested "all risks", that is, the amount of the stolen money will eventually be paid by the insurance company. The insurance company will further investigate its own investigation team and contact the police. In addition, Germany has "lawyer insurance" which can pay for lawyers' fees and police investigation fees. The monthly cost is about tens of euros, and most people will buy it. Cardholders usually cooperate with banks, call the police, take legal proceedings, and bring the real murderers to justice.