What should I do if my credit card is stolen? Thirteen measures to improve the safety of overseas credit card swiping.

With the gradual improvement of people's living standards, shopping, going abroad, online shopping and other trends have swept through, and banks have also taken this opportunity to launch many preferential activities, which can be followed by the security risks of credit card swiping, especially the increasing phenomenon of credit card theft, and most of them occur abroad. Case: Netizen Xiao Liu has an international credit card of China Bank that has been useless for one year. He wanted to call the bank to cancel the card, so he called the customer service to ask about returning the card, but was told that the card had a record of EUR's credit card spending in a four-star hotel in Europe this year 1 month. Xiao Liu was surprised that I had never been to Europe and never lost my card. How to brush? The customer service told me that the card was stolen, but because there was no repayment and there were fines and late fees, Xiao Liu was very annoyed. In the face of this matter, Xiao Liu said that he kept the credit card properly without any loss in the process, which made people suspect that the bank could not guarantee the security of the credit card and put all the responsibilities on the cardholder. A series of inaction afterwards is very irresponsible behavior, and cardholders can only admit that they are unlucky, not to mention the unsatisfactory customer service attitude. Police reminder: ● Avoid swiping cards in small businesses. "Large shopping malls, hotels and airports are generally no problem, but small businesses should avoid using credit cards." A travel expert said that according to his own experience, you must choose a good merchant when you swipe your card. "Not only in Southeast Asia, but also all over the world." ● Protect the last three digits of the credit card. The last three digits on the back of the credit card (the three digits immediately after the card number) are the "second password" of the credit card. Because the last three codes can prevent the card from being "cloned", criminals peek at the credit card account information and copy the card. Without the last three codes, even if you know the password, you will be rejected by ATM or POS machines when you withdraw money or spend money. Many card friends cover the last three yards with tape. ● Don't leave the sight of the credit card. When using a credit card, don't give it to others. Don't give it to the clerk at will. Prevent "people with ulterior motives" from taking the opportunity to obtain credit card related information. In short, don't let the credit card leave your sight. ● Cards and ID cards are separate. Cardholders should pay attention to storing their ID cards and cards separately to avoid the loss and theft of credit cards and ID cards. ● Open SMS reminder service. Cardholders can set SMS reminders for credit cards, and they can know the change of the amount in the card at the first time. If anything goes wrong, they can call the bank immediately. It should be noted that you must reserve your mobile phone number correctly when applying for a credit card. If the mobile phone number changes, I will also call the bank customer service hotline to update it in time. ● Change the card after receiving the notice. Relevant persons of CCB Credit Card Center said that for cards that have been swiped by high-risk merchants and may have the risk of information leakage, CCB will remind cardholders by phone or SMS after receiving the risk warning from credit card organizations, and provide free card replacement service. Therefore, in order to ensure the security of account information, cardholders should actively cooperate if they receive a phone call or text message from the bank asking for a new card. ● Buying insurance for credit cards It is understood that some insurance companies have included the losses caused by the theft and loss of credit cards when they are used abroad into travel accident insurance. Once a similar situation occurs, the insured can apply to the insurance company for compensation. For example, many overseas travel accident insurance products of AIA include credit card theft protection. However, once the brush machine is stolen, it must be reported to the police or other relevant authorities within 24 hours, and relevant written certificates must be obtained, and the issuing bank should be notified to report the loss, so as to ensure the smooth completion of the claim. ● Bohemia-Xiaolong, a netizen who uses debit cards for free, suggests that UnionPay debit cards should be used as much as possible when traveling abroad, such as those of Ping An Bank, Hua Xia Bank and other banks, and handling fees can be exempted. Cardholders may wish to get more cards and keep them separately, at least to spread the risks. ● Remember, entering the self-service bank is a problem. When you need to swipe your card to enter the self-service bank, the bank door will automatically open after swiping the card. But if you are required to "enter the password" to enter the door at this time, there is a problem. This is because criminals installed a bank card Replicator on the card reader in front of the bank. If you enter the password as required, the Replicator will record your card number and password. So you should remember that you don't need to enter the bank card password to enter the access control system of the self-service bank. ● Set consumption limits to reduce losses in unexpected circumstances ● Don't disclose personal information to unfamiliar people easily ● Protect credit card receipts so that problems can be documented ● Be sure to strengthen the management of sleep card and cancel unnecessary or unopened credit cards in time to avoid unnecessary losses.