What should I do if Guangfa Credit Card is stolen?

Guangfa credit card was not swiped by itself.

I didn't swipe my card, but there was a deduction. This situation belongs to credit card theft. There are many cases of stealing brushes, and whether the cardholder has the responsibility mainly depends on how the responsibility is divided. The cardholder should call to report the loss immediately after the credit card is stolen, use the credit card to inquire at the nearest ATM machine, save relevant vouchers, prove that the stolen transaction was not swiped by himself, and then report to the police, and issue a record receipt and vouchers to prove that the card was not swiped by himself. As long as it proves that my credit card has been stolen, the cardholder may bear 30% responsibility. The remaining losses will be paid by the bank.

Will the bank compensate for the stolen credit card? Yes, but within the time limit.

At present, more and more people use credit cards, but Cai Xiao found that due to the lack of information security awareness and means renovation of many guest officials, cases of credit card loss and theft are endless. Cai Xiao learned that many banks have introduced different lost card protection systems to protect the security of cardholders, but the rules are quite different.

According to the survey of Cai Xiao, Agricultural Bank, China Bank, Shanghai Pudong Development Bank, Ping An Bank, etc. The holder will be compensated for the stolen brush losses that occurred 72 hours before the loss was reported, and Guangfa Bank, China Merchants Bank and Bank of Beijing will compensate the holder for the stolen brush losses that occurred 48 hours before the loss was reported.

However, it should be noted that during this free protection period, the bank will not completely and unconditionally pay all the stolen brush losses. For example, Ping An Bank said that cardholders can apply to the bank to assume responsibility, but the premise of providing compensation is "the payment clause applicable to the protection of lost cards"; The 48-hour card loss guarantee service provided by China Construction Bank is only for overseas card loss; The 72-hour card loss protection service provided by ICBC is only "one year's account security insurance without spending money within one year from the date of credit card consumption".

"The bank's compensation premise is that the cardholder's credit card is lost, stolen or stolen, or the credit card and password are coerced to others for use, resulting in economic losses caused by the theft of the credit card. For example, if you don't pay attention to revealing the password, you will trade through the password after losing the card. This is not easy to judge, and you will not pay directly. " The customer service staff of many bank credit card centers stressed.

According to the recommendation of credit card staff of many banks in Cai Xiao, many credit card holders have opened a small function of confidential payment for the convenience of payment. Once the card is lost, it is a big hidden danger. Lost card protection is to pay some compensation for transactions that are not conducted through the transaction password. If the cardholder reports the loss to the bank at the first time, the bank can compensate the cardholder for the loss of theft within a certain period of time before reporting the loss.

The compensation amount of each bank is also different. For example, the guarantee amount of Guangfa Bank, the maximum guarantee amount of each card is the consumption amount of the card on the day of fraudulent transaction (including permanent consumption amount, temporary consumption amount and floating amount, except for self-owned deposits); Ping An Bank's guarantee amount shall not exceed the upper limit of the card's fixed credit limit, and the maximum amount shall not exceed RMB 50,000; The maximum guarantee amount of Bank of Beijing is also 50,000 yuan; China Merchants Bank, China CITIC Bank, China Bank, etc. , according to the level of the card set different maximum compensation amount.

In addition to the protection of stolen brushes without spending money, more banks have introduced the payment service of stolen brushes that requires fees. Therefore, under the advice of the bank customer service staff, the guest officer can pay a certain fee to upgrade and get service according to his own needs. For example, CITIC Bank's "stolen brush treasure" extended the protection period of stolen brush from 48 hours to 72 hours. After the loss occurs, you can report the loss through WeChat at any time, and get compensation within 10 working days, and the claim amount will also rise to 65,438+10,000 yuan; The "worry-free service" of Bank of Communications has the same payment period and maximum payment amount as that of CITIC Bank; Shanghai Pudong Development Bank extended the payment time from 72 hours to 96 hours. The "security guard" of Guangfa Bank is not limited by the time limit for reporting the loss. However, if a guest officer wants to have these guarantees, he needs to pay an average of 2-8 yuan to the bank every month.

For the safety of credit card use, Cai Xiao once again reminds cardholders not to give their passwords to others at will, and at the same time, he actively opens the account change prompt service, so as to know the use of funds in the card at the first time and pay close attention to whether there is any abnormality in the monthly bill. If the card is lost or stolen, you should immediately call the credit card center to report the loss, so as not to cause greater economic losses.

My credit card was stolen before it reached me. What should I do?

You can use the bank's lost card protection service to recover the loss.

If the credit card is stolen, after the stolen credit card is found, the bank will report the loss of the credit card, and the bank will pay the amount of the stolen credit card within a certain period of time before the loss is reported. Of course, the guarantee time for lost cards varies from bank to bank.

For example, China Merchants Bank, Bank of Communications, CITIC, Xingye, Guangfa and China Everbright Bank provide credit card holders with 48-hour protection before loss reporting, Ping An Bank can provide 72-hour protection before loss reporting, and Huaxia Bank provides 120-hour long protection.

In addition, the compensation for "lost card protection" is also limited, and the upper limit of most ordinary cards is 5000 yuan. Moreover, the payment amount of different credit cards under the same bank is different. It is suggested that cardholders consult the credit card center in advance to find out whether their credit cards have this service and the corresponding guarantee time limit and quota.

How to prevent similar credit cards from being stolen?

Generally speaking, it takes about 10- 15 days to apply for a credit card at the counter, and the card can be received in 3 days at the earliest for online application.

1, improve credit card safety awareness, and check the card issuance progress at any time. After the credit card application is submitted, the applicant should raise the awareness of credit card safety and check the application progress and card issuance progress at any time through the internet/telephone. After the general credit card is mailed, the bank will send a text message to the applicant, and the applicant can call the bank customer service to get the mailing number to know the latest mailing progress.

2. If you haven't received the credit card for more than 15 days, you should immediately call the bank's customer service phone for consultation and contact the property to see if someone will collect it for you.

3. The confirmation with the property must be signed by myself. The applicant can negotiate with the property, and the recent mail must be signed by himself, otherwise the losses caused will be borne by the property. Generally speaking, property will be executed according to this.

4. If the property management of the residential area/office building where I live is really irregular, the applicant should call the bank to change the mailing address of the card in time.

5. Protect personal information. For personal identity information, mobile phone number, address and other information, it is necessary to raise awareness of protection and not to disclose it to others at will. In particular, it is not allowed to give copies or scanned copies of ID cards to others at will.

How to ensure the security of credit card payment when I see the theft of credit card on the news? ask for advice

Personal information is very important. Don't download software of unknown origin, don't click on unknown links, check the amount when you swipe your card, and don't lend or rent your credit card to others at ordinary times. And the ability to buy stolen credit insurance. For example, the "transaction security guard" service was opened on the wide card I used, which is equivalent to stealing credit insurance. After opening, if my Guangfa Card is stolen, the bank will compensate me.

Guangfa credit card swiping shows that this card transaction is not allowed?

Credit cards are not allowed to trade this card, generally because of the reasons of the issuing bank, the problems of the credit card itself, the risk of credit card being stolen, the network or equipment failure, and the cardholder is suspected of cashing out. After being told that this card transaction is not allowed, the cardholder can call the credit card center of the relevant bank to solve the problem.

The reason for the issuing bank is generally due to the upgrade of the bank, and the cardholder needs to contact the relevant bank to solve it. If the cardholder encounters network abnormality or the pos machine fails during offline payment, the credit card transaction is not allowed. It is also possible that the chip of the credit card has failed, and the cardholder needs to take the credit to the relevant bank to change the card. When the credit card balance is insufficient. When the credit card amount exceeds the payment limit, the credit card is frozen, etc. , the credit card will not allow this card transaction.

When the number of cardholders is operated on the same pos machine for months, the bank will judge that the cardholder is suspected of cashing out. Moreover, when the cardholder activates the credit card, the credit limit will be brushed off, or the cardholder has transactions outside normal business hours, and swipes the card on the same pos machine on a fixed date every month for integer transactions. These situations will be judged by the bank as the cardholder is suspected of cashing out, and the credit card will refuse the transaction. If the cardholder swipes his credit card overseas, the bank will judge that the credit card has been stolen and refuse the transaction.

I often pay for saving points by swiping a wide card. I recently read the news that my credit card was stolen. How to prevent it?

To prevent the theft of credit cards, we should raise the awareness of payment security, don't click on unknown links, don't trust third-party withdrawals, don't disclose your ID card information or mobile phone verification code, and set some credit card permissions. For example, I usually spend my credit card offline, so the online transaction authority is closed through the "transaction switch" of the card, which can reduce the risk of credit card being stolen. General credit cards have rights management function.

This is the end of the introduction about how to steal Guangfa Credit Card and how the credit card swiping machine can't swipe Guangfa Credit Card. I wonder if you have found the information you need?