信用卡被盗用,怎么办?能把钱拿回来吗?

[遛弯的虫子]

今天拿到信用卡的帐单,仔细看了一下,其中有两个transactions我根本没用过,是从多伦多划走的. 一个$500,一个$900. 我赶紧打电话给信用卡公司,他们说给我调查一下,可是钱已经划走了,我还能拿回来吗? 真着急,平白无故就损失了1500...有人有相同经验吗?我的公司是PC FINANCIAL...

 

[newer]

do not worry. tell your card company immediately. your card will be blocked and you will get a new card. I think you can get your money back.

 

[black_head]

Don't pay that bill

今天拿到信用卡的帐单,仔细看了一下,其中有两个transactions我根本没用过,是从多伦多划走的. 一个$500,一个$900. 我赶紧打电话给信用卡公司,他们说给我调查一下,可是钱已经划走了,我还能拿回来吗? 真着急,平白无故就损失了1500...有人有相同经验吗?我的公司是PC FINANCIAL...

I believe you mean credit card bill, right? If yes, how 钱已经划走了? The
钱已经划走 only from the your credit card company, not from your bank
account. If you don't pay the bill, you lose nothing. It's credit card
company's responsibility to get money back from whereever the
transactions were done. But you should tell credit card company about
this immediately. Then the credit card company will mail your the
receipts of those two tansactions to you for your confirmation. If you
give me your phone number, I will tell my similar story

 

[遛弯的虫子]

谢谢楼上的详细的回答,很感谢. 我是今天拿到的CREDIT CARD BILL, 看到有两个transactions我根本没有消费过.你的意思是说只要我不pay bill, 我就不会损失这笔钱.那是credit card company的责任去调查这笔钱的去向. 如果我拿到credit card company 给我mail的receipts, 如果不是我花的这两笔钱,他们没有权利让我付这笔钱是吗?

 

[hello123]

谢谢楼上的详细的回答,很感谢. 我是今天拿到的CREDIT CARD BILL, 看到有两个transactions我根本没有消费过.你的意思是说只要我不pay bill, 我就不会损失这笔钱.那是credit card company的责任去调查这笔钱的去向. 如果我拿到credit card company 给我mail的receipts, 如果不是我花的这两笔钱,他们没有权利让我付这笔钱是吗?

Call the credit card company and tell them you didn't make those two transactions. The following will happen.

1) The credit card company will contact the merchant asking for prove of the purchases.

2) If there's no prove can be given then you will get your money back after a few weeks.

You will get your money back under the following conditions. Your card didn't get swiped or imprinted.

 

[gocanoeing]

you need to pay the bill, at least the ones you agree with, before the due date. For dispute, you can call the company and discuss it. Usually it is the shops who accept those transactions will lose money if you call in time.

 

[j2me_ottawa]

you need to pay the bill, at least the ones you agree with, before the due date. For dispute, you can call the company and discuss it. Usually it is the shops who accept those transactions will lose money if you call in time.

说得没错。不过都是有商量余地的。我当初就直接和他们说了这个不是我用的，在账单上了怎么办。他们直接和我说，减掉那笔盗用的款项，付余额就好了。


所以最好的办法是和你的信用卡公司商量，在论坛上的回答只能是参考。

 

[timmy]

Of course, 你能100%拿回来! When you claim 没有消费过这两笔钱, 信用卡公司会赶紧划钱回来(charges back the amount from the shops). "Usually it is the shops who accepted those transactions will lose money", unless they (the shops) can prove you really purchased something with that credit card. You may even get refund by taking oath if a signature on the slip is not yours.

 

[Mikejia]

信用卡公司会帮你解决的，他们先会帮你冻结你的卡。然后你需要的是签字等等。

在你签字确认这不是两笔钱不是你用的之后，信用卡公司会找保险公司赔偿，然后钱会在若干长时间后回来。并给你换张新的卡。

 

[Teddy]

Don't worry! Normally, as you report the case to credit card company, they will right away tell you to pay the bill deducting the un-authorized transactions charges. Even later on they decide you still need to pay the charges, they could come back to you in future billing cycles...

hello123's explanation is the common way credit card companies deal with merchants and card holders, which takes a couple of weeks...

 

[遛弯的虫子]

已经打过电话联系了信用卡公司,情况已经得到了很好的解决,谢谢大家的意见....

 

[jerrya00]

yes

谢谢楼上的详细的回答,很感谢. 我是今天拿到的CREDIT CARD BILL, 看到有两个transactions我根本没有消费过.你的意思是说只要我不pay bill, 我就不会损失这笔钱.那是credit card company的责任去调查这笔钱的去向. 如果我拿到credit card company 给我mail的receipts, 如果不是我花的这两笔钱,他们没有权利让我付这笔钱是吗?

yes