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What should I do if my card is stolen?

2025-12-13 13:03:29 educate

What should I do if my card is stolen? Popular topics and response guides on the Internet in the past 10 days

Recently, bank card fraud incidents have occurred frequently and have become a hot topic on social platforms and news media. The following is the relevant content and structured data that have been hotly discussed across the Internet in the past 10 days. It also provides detailed response guidelines to help users reduce losses.

1. Hot topics related to bank card fraud in the past 10 days

What should I do if my card is stolen?

Topic keywordsDiscussion popularity (index)Main platform
Rights protection against bank card fraud85,200Weibo, Zhihu
Prevention of overseas fraud62,500Douyin, Xiaohongshu
Bank compensation process48,700Baidu Tieba, WeChat
SMS phishing scam37,900Kuaishou, Bilibili

2. Common methods of bank card fraud

According to recent cases, fraud methods mainly include the following:

Technique typeProportionTypical cases
Fake base station SMS phishing45%Pretending to be a bank text message to induce clicks on links
POS machine skimming30%Merchant POS machine implants to steal chip information
Network platform leaks15%Third-party payment account stolen
Overseas fraud10%Card-not-present transactions go through international payment channels

3. Emergency steps after the card is stolen or swiped

If you find that your bank card has been stolen, please immediately follow the following procedures:

1.freeze account: Dial the bank customer service hotline (such as ICBC 95588) to report the loss of the card and prevent subsequent transactions.

2.Keep evidence: Save SMS notifications and APP reminder screenshots of fraudulent transactions, and record the time, amount and merchant name.

3.Call the police and file a case: Bring your ID card and bank card to the police station to report the case and obtain a receipt for filing the case.

4.Contact the bank to complain: Submit a disputed transaction application and request the bank to investigate and pay compensation.

5.Change password: Change bank card passwords and login passwords for related payment platforms (such as Alipay).

4. How to prevent the risk of fraud?

PrecautionsSpecific operations
Close small amount password-freeTurn off password-free payment function through bank APP
Set transaction limitsThe single-day online transaction limit does not exceed 5,000 yuan
Enable SMS remindersMonitor account changes in real time
Be wary of unfamiliar linksDon’t click on suspicious URLs in text messages

5. Comparison of bank compensation policies (some mainstream banks)

Bank nameCompensation conditions for fraudProcessing time
Bank of ChinaReport the crime within 72 hours and provide a complete chain of evidence15 working days
China Merchants BankUsers who have insurance against fraud will be given priority in compensation7-10 working days
China Construction BankRequires police filing certificate20 working days

Summary:After bank card fraud, you need to respond quickly, keep evidence and contact the bank. In daily use, you should strengthen your awareness of prevention and check account dynamics regularly. If you encounter a dispute, you can file a complaint to safeguard your rights through the China Banking and Insurance Regulatory Commission (12378).

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