Faced with this situation, you must clearly understand the interests involved, make an IOU with the actual debtor, and indicate its real name, loan date, loan amount, etc. Be careful not to change or abbreviate, the words should be accurate. Then, you should make a debit note in duplicate, save the chat content and recording when necessary, and safeguard your legitimate rights and interests. You need to go to the bank to check the accuracy of this information to make sure that you don't have a loan.

If the cardholder opens a telephone or ATM transfer, the daily transfer amount of each card shall not exceed 50,000 yuan. Cardholders should use digital certificates, electronic signatures and other security authentication methods when initiating online bank transfer, otherwise, the single transfer amount shall not exceed RMB 65,438+0,000, and the daily cumulative transfer amount shall not exceed RMB 5,000. Except for the payment of public utility fees and the transfer between accounts of the same cardholder.

It is also required to further strengthen the risk management and control of the acceptance market, improve the management of bank card acceptance terminals, and improve the risk prevention service level of China UnionPay. China UnionPay should establish a transaction data recording, analysis and monitoring system, strengthen the monitoring and analysis of suspicious transactions, conduct a comprehensive and dynamic assessment and classified management of transaction risks, and protect the security of accounts and transaction information. Before the end of 20 10, the transformation of direct-operated POS machines will be completed according to the requirements of "one machine and one secret". The POS transaction function should be opened in strict accordance with the online application submitted by the acquiring institution, and the acquiring institution that has not applied for the opening of high-risk transaction function such as online return shall not be opened without authorization.

How to deal with bank card fraud;

Step 1: Call the customer service number of the bank where the cheated bank card is located, enter the inquiry system, and enter the six-digit wrong password at will until the password is locked (3 to 5 times), and the bank card can be frozen on the same day.

Step 2: Log in to the online banking to freeze the transfer function: Log in to the cheated bank card online banking, and enter the wrong number five times according to the prompt to freeze it. Of course, you still need to follow the tips on the webpage.

Step 3: Ask the bank to help stop payment: If you are cheated in the bank, you can ask the bank staff to help stop payment immediately. The police suggested that due to their own safety problems, suspects generally use online banking payment and transfer as the primary means, and freezing online banking transfer is the top priority.

Step 4: Call the police. Report the suspect's account number, cheated account number and transfer details to the police officer truthfully for tracking.

legal ground

Article 266 of the Criminal Law, whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.