What should I do if my credit card is stolen when I immigrate to America?

Recently, an American immigrant neglected to use a domestic credit card, which led to the theft of the credit card, and the loss exceeded 1 10,000 USD. In the United States, credit card has become one of the most popular means of payment for consumers and enterprises because of its convenience. However, with the popularity of credit cards, security risks have surfaced. Especially for new immigrants who have just settled in the United States, the security risks brought by using credit cards are often more obvious without fully integrating into the new environment. Therefore, understanding how to avoid the theft of credit card information and how to take correct preventive and remedial measures when there are security risks in credit cards can provide good guidance for the vast number of new immigrants to the United States. Credit card theft is generally divided into two situations: one is that the real card is stolen and the other is that the fake card is stolen. Stealing a real card means that the cardholder's credit card is illegally held and used by others. Stolen fake card means that the information of the cardholder's credit card is obtained by criminals and made into a copy of the cardholder's credit card for use. There are two main reasons for the theft of fake cards: first, credit card information is leaked on illegal phishing websites or public places; Second, in the process of using credit cards, no preventive measures were taken, which gave criminals the opportunity to obtain credit card information of users by using terminal card readers.

In the United States, if a local credit card is stolen in any form, the cardholder must first contact the issuing bank and the bank's credit card center to freeze the stolen credit card. Usually, the local bank will contact the credit card center and the merchants who steal the credit card to negotiate and solve the problem, and no cardholder will participate in the whole process. Once the information is verified correctly, the bank will refund the stolen amount in full. If there are a large number of stolen brushes, you can report to the local police and recover the stolen brushes with the assistance of the police. However, if the domestic credit card is stolen abroad, the recovery procedure is more complicated.

Therefore, I would like to suggest to my immigrant friends: First, if you already have a credit card from a local bank in the United States, try to use the local credit card for payment when you consume, so as to simplify the procedures after the security risks occur and minimize your economic losses. Second, when using credit card to pay in the store, we should strengthen our awareness of prevention and try not to let the credit card leave our sight, so that criminals can take advantage of it. Third, if you need to use a credit card for online or telephone payment, you must confirm the security and reliability of the other party's identity.