In recent years, the country's crackdown on bank card fraud has been increasing, and magnetic stripe cards have gradually been upgraded to chip cards with higher security, but bank card fraud incidents are still repeatedly banned. In this context, Airstar Financial (formerly Xiaomi Finance) actively responds to the national cyber security strategy, exposes the common use of bank cards to the majority of users, and popularizes prevention knowledge to resolutely defend the property security of users.
There are two types of bank card fraud: counterfeit card fraud transactions and online fraud transactions. Fraudulent use of counterfeit cards refers to the use of counterfeit bank cards by others to withdraw cash, consume, transfer money, etc., resulting in an abnormal decrease in the cardholder's account funds or an increase in overdraft; On the other hand, cyber fraud is when others steal the cardholder's online transaction identification information and transaction verification information to conduct online transactions, resulting in a decrease in the cardholder's account funds or an increase in overdraft. In the event of fraudulent use of bank cards, banks need to bear corresponding responsibilities. For example, if a debit card is stolen, the bank needs to pay the principal and interest of the deposit in the card. If the credit card is stolen, the bank will be required to compensate the principal and interest of the deducted overdraft amount and liquidated damages. Airstar Financial (formerly Xiaomi Finance) hereby reminds users to take good care of their card secret information, and to report the loss immediately once they find theft, otherwise they may need to bear part of the loss. In the face of the problem of fraudulent bank card fraud, users should take a series of countermeasures. First of all, it is necessary to retain evidence that the card has not left the body, such as deposit and withdrawal receipts, etc.; Then, immediately report the loss of the bank card and ask the bank for information such as the time, place and transaction account of the fraud. Next, the user needs to bring the relevant documents and documents to the public security organ to report the case, and bring the receipt of case filing to negotiate with the bank or third-party payment platform. If the issue is still not resolved, the user can consult a lawyer and consider suing. In addition, Airstar Financial (formerly Xiaomi Finance) also provides users with some preventive suggestions. Users can replace the magnetic stripe card with a chip card with higher security to reduce the consumption behavior of using a large amount of savings card; Keep your bank cards and passwords safe, and be wary of phishing**, unsafe links, and scams**; It is recommended to activate the SMS reminder function in order to keep abreast of the changes in funds; At the same time, do not apply for a card through illegal channels to avoid personal information being leaked or resold. Airstar Financial (formerly Xiaomi Finance) has always adhered to the development philosophy of "people-centered" and the business philosophy of "customer-centric". In the future, we will continue to follow the principle of "treating both the symptoms and the root causes", and continue to strengthen the organization and coordination of consumer rights and interests protection. We will deepen the whole-process control of products and services, take multiple measures to improve the quality and efficiency of consumer protection work, and promote the protection of consumer rights and interests to a new level.