Nowadays, Internet scams and "bank card thefts" put your money in danger. So, what should you do if you have identity theft on card? How can you protect your account from money thefts? Let's see!
1
Frozen Your Account
If you suddenly get a message of consuming records but you are actually at home instead of doing shopping, undoubtedly, your bank card must be liable for unauthorized charges! At this time, you should call the bank, telling them your emergency so that the bank can frozen your account at once.
| Bank | Customer Service No. |
| ICBC | 95588 |
| ABC | 95599 |
| BOC | 95566 |
| CCB | 95533 |
| BOC | 95559 |
Why
To protect the rest of money in your bank card from being stolen.
2
Print Receipt From ATM
Draw or deposit money via ATM by using your own bank card, and print the receipt.
Why
To prove to the bank officer that the bank card is staying with you, and it’s impossible that the transaction occurs elsewhere at the same time.
3
Dial 110
Call the police as soon as you notice something wrong with your bank account and describe your situation.
Why
To prove to the police that the bank card is staying with you and now you are suffering from bank card frauds by someone else.
4
Safeguard Legal Rights
Contact the bank immediately and ask for the compensation. If the bank refuses to make it up to you, you can file a lawsuit to safeguard your legal rights.
Why
Actually, it is bank cards’ own defects that makes it easy for others to steal customer’s account information. So the bank should be blamed for the situation.
Why does embezzlement happen?
1
Open Bank Accounts Via Informal Channels
Some illegal agencies resale customers’ account information in the disguise of helping customers apply for bank accounts.
Tips
Open your account in the bank, regardless it is a little bit troublesome. Never readily believe the so-called agency which tries to get your personal information.
2
Leak Account Info. When Swiping Cards
Conspiring with "card thefts", such illegal merchants try to steal customers’ account information, passwords, in particular, when customers swipe bank cards.
Tips
Don’t swipe your bank card in shops which appear to be unofficial or let others swipe for you. Just remember to keep your bank card in sight. And necessary shielding is required no matter whether there are people around when inputting passwords. Moreover, never forget to keep the sales slip.
3
Mismanage the Abandoned Cards
For those overdue or disused bank cards, if you just abandon them randomly, you are likely to have your account information leaked. The truth is, criminals collect these kinds of abandoned cards and resell at a profit.
Tips
Cancel these accounts as soon as you decide not to use them, and destroy magnetic stripes on these bank cards.
4
Click Unidentified Links
Criminals insert Trojan virus into websites and send messages with the links to people. As long as you click these virulent website links, your account information and your money will be stolen!
Tips
Don’t click unidentified links that you have no idea where they come from. And install an antivirus program and an E-banking control on your PC as well as your mobile.
5
Add Contacts of Stranger On WeChat
You will be likely to put your account in danger once you add unidentified contacts on WeChat.
Tips
Confirm the identity of whom you intend to add on WeChat. More importantly, remember not to keep too much information related to your bank card on your phone.
HACOS,Business Services Solutions Master