Who Should Be Protected After Being Stolen?

In the past two years, the bank card has been linked by fraudulent incidents, and every time the relevant news is exposed, the public is horrified.

But today Xiaobian saw a report that had been stuck.

The haze has been swept away. Why? Because this incident is no longer a depositor's conceit, but is entirely the responsibility of the bank.

Well, you're not mistaken. It's all bank compensation.

Card theft is not a card holder alone, but not a "personal information leakage" can be solved, banks should shoulder their due responsibilities.

This is the case: in September 2014, Ms. Hu of Macao was robbed of a bank card in a branch of Zhuhai, Guangdong, with a total loss of 3 million 470 thousand yuan.

As the card issuing bank failed to provide proof of proof for its "cardholder's failure to keep the password properly", the court finally decided that the issuing bank would compensate the cardholder's loss in full.

The case immediately triggered a heated debate among netizens, which was not fresh, but the bank's full compensation is not common.

In fact, the case of bank full responsibility has been reported before.

A few days ago, the Chinese American took a $about 400000 stolen charge in his debit card. Mr. Mao took the bank to court. The court in Changning, Shanghai, made a judgment. The bank paid the full sum of the loss and paid the corresponding interest.

In all two cases, the banks bear full responsibility.

However, careful netizens still found "abnormal". The two cases were not "mainland Chinese", one is Chinese American, the other is Macao people.

As a result, the partners did not calm down: no wonder they were given special care. They were foreigners.

No wonder netizens sour grapes, because in most of the previous cases, most of them were directed at cardholders.

The bank's responsibility is thrown away by a credit card leak.

It's because you didn't protect your personal information and you leaked the information. Of course, you have to take responsibility for yourself. And the most sad thing is that this psychology has become the default consensus. It's just like you squeezed the wallet of the bus. Can you blame the driver? If you enter the thief, can you blame the neighborhood committee?

In the current case of bank card theft, courts often only judge banks to shoulder part of their responsibilities and compensate the depositors for some of their losses. If a person claims 50%, 70% will be sentenced to 80%.

The same is why bank cards are stolen. Why do people wait for the police to solve the case, they can not catch a penny, while others can pay in full.

In other words, the related laws are not sound enough to cause disaster.

At the two sessions this year, NPC deputy Zhu Lieyu suggested that the law on service responsibility should be enacted. Banks should undertake inadequate services for bank cards being stolen.

Instead of pushing the responsibility on to depositors.

A proposal by Zhu Lieyu represents the voice of many people.

On the contrary, in the case of Ms. Hu, the bank has to bear the full liability for compensation without any reason, and the bank is also afraid of wrongdoing.

Therefore, perfect correlation.

It is better to protect the interests of both sides by defining the responsibilities of both sides.

This is both a pressing matter of the moment and a long way to go.

Bank card anti-theft tips!

Although the theft of cards is no longer a novelty, no one wants to do so.

As a modern card holder, how can we avoid such bad luck?

1, when ATM machine withdrawals, pay attention to the bayonet and keyboard are different.

2, whenever and wherever, bank cards must be blocked.

3, it is better to change the magnetic stripe card into a chip card.

4, we must keep the mobile phone that binds the bank card.

5, when using public WiFi, do not pay online, otherwise it is easy to disclose bank card information.

6, it is recommended to open bank card SMS reminder function, timely understanding of account changes.

However, if you are cautious and cautious, will you still be robbed and swollen? Don't worry, Xiao Bian will tell you two tips to prevent you from fighting unprepared.

1, once stolen, the cardholder should immediately dial the bank customer service telephone, report the loss, ask the customer service personnel number, so that the situation can be verified in future litigation.

2, report the loss as soon as possible, and then go to the nearby ATM machine, put the lost bank card into the machine, let the card be swallowed up, to prove that the card owner and bank card are not in the scene of the robber.