Within 1 minute, I received a text message from a virtual credit card and spent in four places, what should I do if my credit card is stolen?

At present, the local courts have a widely divergent judgment on who should bear the responsibility after the credit card is stolen, in the same case, some judgments are all borne by the card merchant, some judgments are borne by the cardholder, some judgments are borne by the credit card holder 50% or 30%, and others are borne by the card merchant and the bank. What should I do when my credit card is stolen?

Recently, Mr. Zhang Wenhu of our firm was invited to participate in legal consultation, and gave a detailed answer and gave corresponding suggestions on whether the cardholder needs to repay after the credit card theft.

【Actual Case】

Ms. Pan in Beijing obviously did not consume, but within 1 minute she received a text message from a virtual credit card to spend in four places, each of which was about 5,000 yuan. Ms. Pan said her credit card was an ETC credit card specifically designed to pay high-speed fees, and she had never had a virtual card. In this regard, the bank said that the virtual card is bound to Ms. Pan's physical credit card, all the consumption of the virtual card will be transferred to the physical credit card, in order not to affect Ms. Pan's credit, Ms. Pan needs to repay the arrears and immediately call the police.

【After the credit card is stolen and swiped, the following measures should be taken】

1. Contact the bank at the first time to report the loss, to avoid the loss continuing to expand, and to transfer the responsibility after the loss to the bank.

2. Immediately call the police, obtain evidence that is not at the scene of payment and the "Report Record Sheet", and prepare evidence for rights protection.

3. Contact a lawyer immediately to minimize possible risks. Don't worry about contacting a lawyer for too much time, simple cases, the lawyer can clear the context in a very short time and give the corresponding opinion.

4. Repay the loan according to the agreed time.

Many people will think that the money is embezzled, not their own consumption; Or dissatisfaction with the bank's handling results and gambling not to repay, which will expand their losses to a certain extent.

Even if the money is stolen, the agreement you signed with the bank when you apply for the card is still binding you before the case is solved, and you may need to pay interest or late fees for the stolen money.

【Lawyer's Suggestion】

1. For the slightly older masses, it is recommended to use the traditional bank card or passbook;

2, for the younger masses, when opening the relevant payment methods must read the relevant treaties, if you think that the treaties are not suitable for themselves or do not meet their own consumption methods, it is recommended that you do not open;

3. For the relatively large demand for funds, it is recommended that everyone must do what they can when choosing an overdraft method, and combine their own situation to consume and use related payment methods.

【How to anti-theft brush】

1． To apply for a credit card, you need to go to the regular bank window to handle, please do not apply for a card on the street, choose the way to swipe the card password to pay the bill, and pay attention to protecting information security in the daily card swipe.

2． Limit the amount spent: Set a daily limit on the number of credit card purchases and limit the amount per transaction to minimize possible losses; Do not deposit large amounts of money as demand deposits, but can partially deposit them on a regular basis or purchase other investment products. In addition, the amount and number of consumption of credit card online consumption, transfer and other businesses can be set humanely to avoid excessive loss at one time.

3． Check the bill information in timeWhen you finish spending by swiping the card in the mall, it is best to check the bill information in time, such as whether the amount on the shopping list is wrong, whether there are duplicate items, etc. In addition, when swiping the card to sign, pay attention to whether there are two overlapping copies of the shopping list.

4． Open sms notification service, cardholders can open SMS notification service, can always grasp the capital changes in their credit card account. Once the credit card abnormality is found, the cardholder can contact the bank at the first time.

Finally, tell everyone not to panic when the mobile phone receives a text message that is not consumed by the person in question, and to check whether the sender is a bank customer service to avoid falling into the trap of SMS fraud. Secondly, if the card is not stolen in your own hands due to loss or other reasons, you should immediately call the bank customer service to freeze the credit card to prevent further losses.