the loss due to credit card theft brush

□ Morning News reporter Yao Keqin
 
"There can only be considered unlucky accident password,louboutin soldes, credit card no password more secure." Yesterday,http://www.xinhelan.com/home.php?mod=spacecp&ac=blog&blogid=, a report about the credit card security a hot topic.
 
It is reported that a bank insiders, once the credit card stolen brush, password cardholders take full responsibility, but no password, the bank will be responsible for compensation, "Local Bank Credit Card Center staff also acquiesced in this argument, and that their credit card will not set a password. "reported.
 
Credit cards really do not password more secure? Specialized credit card disputes hear a 10-year court of Huangpu District Court judge said five people in the court decision, under normal circumstances, the credit card is lost stolen brush,http://www.bdxqipai.com/home.php?mod=space&uid=76792, report the loss before the losses suffered by the cardholder will be decided by the cardholder's own commitment; stolen brush after reporting the loss, the loss suffered by the cardholder will be borne by the bank judgment.
 
■ people entangled: in the end not to reset your password?
 
"Credit cards are not password more secure" argument first appeared on a professional financial forum. One claiming to bank insiders post that credit cards are not password more secure mystery that once the credit card stolen brush, password cardholders will take full responsibility, and no password is set, the bank will be responsible for compensation.
 
These "insiders" and even a list of some of the cases of domestic support for their point of view: the loss due to credit card theft brush, with a password of consumption, courts tend to take full responsibility for the decision cardholder; with the signature of consumption, the court will order the cardholder people do not take good care of wrongdoing by credit card,nike tn femme pas cher, the cardholder judgment to bear 10% -50% loss, and the remaining losses borne by businesses, depending on the contents businesses fault. And if there is a signature and a credit card or a credit card and the cardholder does not match the gender discrepancies and other businesses will be more the fault of the loss borne by the cardholder will be less.
 
The above statement,louboutin pas cher, many people skeptical: "Password has always been to prevent card theft brush, but how will the password secure?",http://www.52doom.com/home.php?mod=space&uid=71028, "In the end going to cancel a credit card or password?"
 
■ Bank statement: password or safer
 
For the "Credit cards are not password more secure," saying, Morning News reporters Cai Fang and Le Shanghai a number of large commercial banks and joint-stock banks, the answer is that there is no "credit card with no password more secure."
 
It is worth noting that the banks interviewed invariably appeal to the consumer cardholder to set a password. "If the credit card does not set a password, so that others get after each other but easier to implement fraudulent." ICBC said,peuterey outlet, according to the rules of the credit card recipients, when the consumer decide whether to adopt the code by the cardholder themselves. In addition, cardholders can also choose to consume more than a certain amount of time using the password. "It is recommended that the cardholder to set a password to consume."
 
Another large joint-stock banks, said that most of the foreign credit card with no password, "but it must be clear to see that foreign businesses in assessing the identity of the cardholder is very harsh. In contrast, domestic businesses, some salesperson even a debit card, Credit cards are hard to tell, to check the identity of the cardholder is a casual look,louboutin pas cher, with the international standards and therefore still has a long way to go. "
 
"For conditions, the cardholder is best password, this can largely avoid the risk." Relevant joint-stock bank official stressed.
 
■ Judge doubts: "No password more secure" inaccurate
 
On the "credit card with no password more secure," saying, yesterday afternoon, the Morning News reporters Cai Fang and Le Huangpu court a specialized court to hear five people a credit card dispute decade judge. "Credit cards are not more secure password is not accurate." The Old Master, said frankly. "I hear the credit card dispute fraudulent category, more than 90% of cases the cardholder is no password, which shows the setup password can indeed play a better anti-theft brush effect." The judge said, in fact, related to the credit card provided Password safer not difficult to understand the truth, "If you set a password, fraudulent who certainly takes a lot of effort to crack the code, but the success rate is not high. Conversely, if you do not set up a password, which is equivalent to hand over his own Pirates of the brush on the front of the property were stolen considerable probability. "" As a password of credit card theft brush, to analyze specific cases. depends on how the password is compromised, such as credit card and identity card and some people together wallet,http://www.wifigx.com/forum.php?mod=spacecp&ac=blog&blogid=, ID card thief with birthday guess password; or hackers or network viruses obtained through online banking passwords when logging cardholder or the cardholder when consumption was peeping out passwords, etc. However, absolutely. The report said there is no 'with a password of consumption,http://www.xyyuanbo.com/home.php?mod=space&uid=12201, the courts tend to judge solely responsible cardholders' one said. "The judge stressed.
 
■ Bank new initiative: "lost card protection" service does not equal full compensation
 
Although there have been cases of credit card theft brush happen, but in order to win customers, there are many domestic banks launched a credit card "lost card protection" service. This service is a lost credit card after credit card customers,http://taoboba.com/home.php?mod=space&uid=26107, the cardholder if the banks for the first time to report the loss, the bank will report the loss before a certain time cardholders compensation brush and internal theft losses.
 
However, the "lost card protection" service does not mean that the cardholder will receive full payment. Yesterday Morning News reporters Cong Shanghai and Duo Jia bank learned that exist at present banks "lost card protection" service different implementation details,http://www.annieteng.com/forum.php?mod=viewthread&tid=67295&extra=, at the effective time of security, to take effect on varying conditions and payment amount.
 
According to reports, at present, most banks provide the "lost card protection" limit for 5000-15000 yuan ranging protection time was 48 hours before reporting the loss. Few small banks guarantee period may be extended to 72 hours.
 
"'Lost card protection' is limited to no password signatures consumption, consumption with a password, network transactions, telephone transfers, etc., are not within the 'lost card protection' range. In addition, to use the service,http://moodle.ndna.org.uk/login/index.php?item/create_form/1, the cardholder should advance public information and understanding of the relevant provisions of the issuer. ", a commercial bank official said.
 
"Some people think that a credit card with no password can enjoy the 'lost card protection', but in fact 'lost card protection' is the need to meet certain conditions, but not necessarily the full amount." Remind these people said, "In fact, setting Password can effectively avoid fraudulent, greatly reducing the risk of fraudulent To enjoy 'lost card protection' and choose to credit the original password to no password, is tantamount to penny wise, pound-foolish. "
 
[Court heard how fraudulent credit card dispute]
 
● Court fraudulent credit card dispute is based on an important trial to see if the time is after fraudulent report the loss or to report the loss before the cardholder. If you are after a report the loss, then the liability banks. If you report the loss in the front, then the cardholder liable. From the perspective of the trial and trial practice, set no password, bear responsibility to determine whether or not the basis of the number of bear responsibility.
 
● For businesses, the credit card on hold, due to the audit obligation to examine the identity of the cardholder is consistent with consumer credit card enshrined personally identifiable information, or businesses will have to bear the responsibility.
 
● If the cardholder credit card is lost, then the cardholder fails to fulfill themselves should bear the responsibility of safekeeping obligation. Liability ratio of cardholders and merchants unfinished audit obligations may be 3: 7 it may be 4: 6, the ratio is subject to specific case may be.
 
[Credit card] a typical case of fraudulent dispute
 
Do not check the owner's gender, businesses bear responsibility sentenced Qi Cheng
 
Mimi Liu and Lin Donghua (a pseudonym) is a pair of "80" husband and wife. In 2003, Lin Donghua at a large bank of a quasi-credit. Since then, under this main card increases the cardholder for the wife of a supplementary card.
 
May 30, 2009 morning, Liu Mei Mei discover supplementary card is stolen, then immediately report the loss to the bank, to the local police station.
 
Police investigation found that supplementary card before reporting the loss of the day in the afternoon to the evening, by others in Shanghai Zhabei TobaccoÌÇ¾Æ Tobacco Group Limited (hereinafter referred to as the Zhabei Yan Tang) and other nine merchant credit card spending 15 times, including at the Zhabei Yan Tang credit card spending 2,000 yuan.
 
The police investigation, fraudulent people Zhuo Qiang (a pseudonym) was arrested. Zhuo strong through confession, back of the card has a subsidiary Mimi Lau reserved signatures can not see it because the last word reserved for signature at the time of the fraudulent use of the consumer, they signed the words "Liu Meifeng" According Pinyin card.
 
After hearings, the Huangpu District Court held that the sign requisitions Zhabei Yan Tang cardholder signature and name Mimi Lau obviously inconsistent and fraudulent use of sex with a man under the cardholder Mimi Lau gender different situations, not people reject fraudulent card consumption, between property damage and a causal relationship between the plaintiff shall bear civil liability. Mimi Lau plaintiff as a legitimate credit card holders, there is not entirely safekeeping obligation, not timely report the loss and other fault, the fault should bear the corresponding liability.
 
Accordingly, the Huangpu District Court verdict Zhabei Yan Tang loss 1400 yuan compensation for the plaintiff.
 
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