pls delete

bbs123

erased                        

AMICUS_LAW

您好，一般这种情况您无需负责任，只要通知银行取消credit card 就可以，而且回报credit card 被盗信息。

以下是一些有用的建议，您可以参考一下：

Credit and Eftpos card fraud  
The theft of credit and Eftpos (ATM) cards is a common crime in New Zealand. So, too, is the associated fraud.

While Police work closely with banks and retailers to prevent this type of fraud, there are a number of simple things you can do to assist.

Credit and Eftpos card account and Personal Identification Numbers (PINs) must be guarded carefully. They are the lock, and key, to your personal finances.
•Keep your own credit or Eftpos card safe. If it is stolen or goes missing, inform your credit card company or bank and cancel it immediately.
•Don't have an easily guessed PIN e.g. your birth date; the first set of numbers on the card itself; or sequential numbers such as 1234.
•Try and memorise your PIN, if you can't then never keep your PIN and card in the same place.
•Use different PINs for different cards.
•In no circumstances reveal you PIN number to anyone. There is no legitimate reason why anyone requires your PIN. Even during an investigation by bank staff or Police your PIN is not required.
•Always keep your PIN number well hidden when entering it - whether at a money machine, in a shop or other busy place.
•Keep an eye out for 'shoulder surfers' - people who watch you enter you PIN, then look for an opportunity to steal your card - especially in crowded places.
•Never let your credit card out of your sight - even in a restaurant. Fraudsters are often the most charming people and frequently seek work with high public contact.
•Ensure you get your card back after every transaction.
•Destroy expired cards and sign new cards immediately.
•Match credit card statements with your receipts.
•Keep a record of the card account number, expiry date and any numbers to call if your card is lost or stolen.
•Tell your bank or credit card company if you change your address, so replacement cards are sent to the correct place.
•Be on the look out for "skimming" devices that can read and store the encoded information on the magnetic strip of your card. These small devices have been found attached to money machines and in venues where credit cards are frequently used.

If receiving payment by credit card, it's good practice to do the following:
•Check if the card has been tampered with or altered in any way, particularly the signature panel.
•Check the expiry date on the front of the card.
•Check the account number on the front of the card matches the back.
•Compare the signature on the card and the sales slip.
•Check the 'hot card' list for every credit card sale.
•Obtain a telephone authorisation for sales exceeding the floor limit or if you are suspicious of the person's identity or behaviour.
•Ask for photo identification, such as a driver's licence.

Be wary of a customer who:
•is nervous, trying to hurry things up or buys a wide range of expensive items on a newly valid card;
•looks at the card before signing the transaction slip or signs awkwardly or slowly;
•has a large number of cards in their pocket and attempts to use several before one is 'approved';
•purchases an unusual amount of expensive items indiscriminately. A fraudster with a stolen credit card may not carry out the normal pre-purchase activities a legitimate buyer makes when purchasing expensive items e.g. product comparisons, warranty questions, technical questions or queries on cash discounts …;
•makes random purchases with little regard to size and quantity;
•purchases large items and insists on taking them immediately;
•buys a large number of a single item;
•watches closely during authorisation request;
•can't provide photo identification when requested;

Internet or phone transactions:
•Know who you're dealing with online. Check the website you order from has a physical address, phone and fax number. Make a note of all details, including the company's name and Internet address, amounts to be charged, shipping costs, and the time and date you placed the order.
•Only make telephone transactions when you have instigated the call and are familiar with the company.

REMEMBER: if you haven't done everything you can to protect your credit card or PIN, you may have to pay for illegal purchases made on your card.

Your credit card provider or merchant can offer further detail on minimising mail, telephone and Internet card fraud.

susie77

天天查银行记录真的有必要

AUTUMN2010

我的卡发现被盗后2个小时报的案，但已经被刷暴了。银行调查后，知道是模仿我的签名消费的。一个月后，信用卡公司就返还了所有被盗刷的钱。
银行要看你是不是及时报案。好好与银行沟通吧。祝好运！

diver

你可以去公民咨询局询问一下，那里有免费律师的。我之前也被盗用，是银行发现的，给我换了张卡，把盗用的钱也还给我了。祝lz好运。

灰色夜宵

http://www.consumer.org.nz/reports/credit-card-chargebacks
尝试一下

bbs123

这事涉及金额大，请求律师回答。

灰色夜宵

bbs123 发表于 2013-8-20 10:27
完全这么说不合理吧，被盗用的行为是用户能控制得了的？

我想有标准些的判断。就是银行做法有些不合理 ...

确实是不合理 但是店大欺客啊 人家的银行的道理就是 你要不同意 要不别来信用卡 你要开 就必须同意自己担责的条款 那么既然你同意了出事自然自己承担
而且反过来说 你控制不了 银行更是控制不了你的电脑，你的保密行为啊，相比之下虽然你也不能控制得了但是你能做的程度肯定是比银行高啊 你说 银行和你 谁更有能力避免你丢掉你自己的信用卡呢 那肯定还是你自己呀
二来 银行没权利也没能力在你电脑上装杀毒软件并且不让你上有危险性的网站 这些权利都在你自己手上 不是吗？

bbs123

灰色夜宵 发表于 2013-8-18 10:02
一般情况下 你和银行的信用卡协议里会有写 由于你个人失误，流出信用卡信息或者密码等等 造成的损失银行不会 ...

完全这么说不合理吧，被盗用的行为是用户能控制得了的？

我想有标准些的判断。就是银行做法有些不合理的前提，个人是否非要担全责？金额不小，不开玩笑。

灰色夜宵

一般情况下 你和银行的信用卡协议里会有写 由于你个人失误，流出信用卡信息或者密码等等 造成的损失银行不会担责
有些银行为了名声会帮你承担一些 但是没有法律责任 因为你同意过以上条款 所以是你承担

wandersky

bbs123 发表于 2013-8-17 20:45
您说的和我的问题无关联，找犯罪者也不是个人能力所及。问题很重要，还是希望律师能指导一下。同时感谢您 ...

具体看你信用卡资料如何丢失的吧？ 我之前有一次发现在国外被使用 告知银行就追回了。。
如果是自己把卡丢了 过几周才告知银行估计就没戏了

bbs123

吉百利 发表于 2013-8-17 18:20
你是那个银行啊，基本上银行的信用卡部门都有那种专门的FRAUD部门，你给他们打电话告诉他们你的情况他们会调 ...

您说的和我的问题无关联，找犯罪者也不是个人能力所及。问题很重要，还是希望律师能指导一下。同时感谢您的关心。

吉百利

你是那个银行啊，基本上银行的信用卡部门都有那种专门的FRAUD部门，你给他们打电话告诉他们你的情况他们会调查，然后给你结果。