Credit cards are an indispensable payment tool for daily consumption. During holidays and outbound travel, the chances of lost credit card and stolen card incidents will be greatly increased. Many banks have introduced different “loss of card protection†services. Cardholders may wish to Pay more attention to the maximum protection of personal use cards and financial security.
During Miss Zhang’s eleventh vacation, she encountered troubles. Her credit card appeared to have been lost in the process of outbound travel. When she received the prompt of the consumer information, she realized that the card was not in a hurry to report the loss. The result exceeded the bank credit card center. The time for the loss of the card is guaranteed, and the amount of the stolen brush can only be borne by itself.
Credit cards are now an indispensable payment tool for daily consumption, especially for overseas shopping. Carrying a credit card is much more convenient than cash. The security of credit card loss and theft can not be ignored. Especially after holiday trips or overseas trips, cardholders should pay more attention to this, and improve their safety awareness, develop good card habits, and maximize the protection of personal use cards and funds.
"Lost card protection" is different
The so-called credit card æ’ŒÐÅ«Uè¾ means that after the credit card customer loses the credit card, if the cardholder applies for the loss to the bank at the first time, the bank compensates the cardholder for the loss caused by the stolen credit card within a certain period of time before the loss of the card.
At present, many banks such as Shanghai Pudong Development Bank (600000, BUY), Ping An Bank (000001, BUY), Guangfa Bank, China Construction Bank (601939, BUY) (00939), China Merchants Bank (600036, BUY) (03968), etc. They have launched a number of free pre-loss protection services, which can reduce the loss caused by cardholders’ loss or stolen brush within a certain time limit, but these free credit card loss card guarantee services, claims conditions, loss reporting time, and claim amount Everything is different.
From the point of view of the time limit for loss reporting, the guarantee period provided by most banks is 48 hours or 72 hours before the loss. Everbright Bank (601818, BUY), China Merchants Bank, and China Construction Bank have all specified the guarantee time as 48 hours before the loss, while Bank of China (601988, buy) (03988), Ping An Bank, and Shanghai Pudong Development Bank are required to guarantee the time of 72 hours before the loss. Ningxia Bank provided the longest 120 hours of lost card protection. Guangfa Bank's coverage for security guard customers was 48 hours, while security guard customers were not limited by the 48-hour timeout period.
From the point of view of the service target, not all card banks will provide free card loss protection services. Most banks can provide cardholder services and cover all credit card types. Only a small part will be limited or not. . For example, the Bank of China's free card loss protection is only for Platinum cards. ICBC (601398, BUY) (01398) is limited to Peony Cards issued in Shenzhen and Shanghai. Citibank has no free æ’ŒÐÅ«Uè¾ service.
Judging from the specific compensation limit, most of the current free card loss protection of banks has a fixed maximum limit, which is generally determined by the specific amount of the card. For example, China Merchants Bank stipulates that Puka and U.S. Green Card will guarantee a maximum of RMB 10,000 per year, and the maximum guaranteed amount of Gold Card and U.S. Express Gold Card will be RMB 15,000 per year (including China Merchants Bank VISA and MINI credit cards). Platinum Card Maximum Guarantee Limit For the credit limit; Huaxia Bank (600015, buy) stipulates the highest Puka æ’ŒÐÅ« è¾ è¾ 5000 yuan, gold card 15,000 yuan, titanium gold card up to 30,000 yuan, Titanium beauty card maximum compensation 50,000 yuan, respect The maximum compensation for Platinum Card is 100,000 yuan; Guangfa Bank stipulates that the maximum amount of protection per card is the amount of credit for the card on the day of the fraudulent transaction (which may include permanent consumption quota, temporary consumption quota and floating amount, except for part of its own deposit); Shanghai Pudong Development Bank It is stipulated that the limit of compensation for each cardholder is 5,000 yuan.
More claims conditions
In addition to service time limits and object restrictions, the bank has added a number of different additional terms. For example, CCB only targets the fraudulent situation that occurs outside the country, does not include off-site transactions such as the Internet and telephone, and transactions that input passwords through the UnionPay channel; Huaxia Bank only restricts domestic RMB transactions, and does not guarantee foreign currency transactions generated by domestic stolen brushes. Amount; Bank of Communications (601328, BUY) (03328), Ping An Bank and China Merchants Bank do not include network and telephone, ATM transactions; CITIC Bank (601998, BUY) (00998) and Industrial Bank (601166, BUY) also The card security feature must be activated to provide it.
At the same time, most banks provide protection only for transactions that are swiped and signed by POS terminals, while POS terminals are not covered by passwords such as password consumption, ATM cash withdrawal, online transactions and telephone transfers, if the cardholder takes In the "signature + password" method, the bank will only know the transaction password by default. When the fraudulent incident occurs, the bank mostly refuses to fulfill the guarantee obligation on the grounds that the cardholder keeps the password properly.
In addition, the bank's lost card guarantee payment process is very cumbersome. After the report is lost, the cardholder must also cooperate with the bank to fill out the lost card protection application form, provide identity documents, entry and exit certificates, report proofs and other materials, and need to contact the bank in time to report the loss of the card. Provide relevant materials, etc. as required.
It is not easy to get compensation. Cardholders need to reduce the risk of card fraud. The key is to establish good credit card usage habits. Although the credit card with the password is not in the “loss of card protection†clause of the bank, it is better for the cardholder to set the consumer password for the credit card. The domestic UnionPay channel is still based on password consumption. At the same time, the cardholder should pay attention to using a pos machine to swipe the card in a good environment, the card does not leave the line of sight, enter the password to block by hand.
Multiple protection for fee-based services
It is worth noting that many banks have launched upgraded rights on the basis of free “loss of card protectionâ€. Cardholders can purchase these value-added services on demand. Compared with the more limited free service, the paid version is more Reliable.
A few days ago, Pufa Credit Card launched the VIP version of the “Private Free Card Protection Planâ€. The lost card guarantee time extends to 96 hours before the loss, and the single guarantee amount is 50,000 yuan. The total amount is 100,000 yuan, and the stolen card is lost. The cumulative maximum compensation is 500 yuan, and the cardholder can purchase the interest through Pufa official website, APP or WeChat bank.
The Bank of Communications Credit Card Center also launched the "Worry-Free Card" service, which includes the "72-hour lost card protection" function, and the loss of funds stolen by the cardholder within 72 hours before the loss of the cardholder can be paid. The service fee is 12 yuan per quarter, and the maximum amount of payment is 40,000 yuan per card per year.
Merchants Bank cardholders can also purchase the full transaction type card security through the Pocket Life APP, 5 yuan / month automatic renewal, all transaction types (including online transactions, mobile payment, cash withdrawal, etc.) within 72 hours before the loss report The annual limit of payment is 50,000 yuan, and the decoration will be exempted during the service period, and the loss of 60 yuan/time will be exempted.
In addition, some insurance companies have also launched a variety of credit card theft insurance services, currently Bank of Communications, Ping An, CITIC and other banks have launched stolen insurance with their own insurance companies.
For example, CITIC Bank and Zhongan Insurance launched the “Pirates and Brushes†protection plan, with a term of three months, a premium of 15 yuan and a guarantee amount of 100,000 yuan. During the period of protection, the credit card will be lost 30,000 yuan through the Internet within 72 hours before the loss is reported. Within 10 working days after the report is complete, you can get 30,000 yuan of misappropriation funds and credit card loss. Set a fee for compensation. Alipay also launched the "bank card security insurance" insurance. After the customer is insured, all the bank accounts under his name, whether it is a debit card, a credit card, or online banking or mobile banking, can be settled as long as they are stolen. Cardholders can consider purchasing these insurances to protect them.
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