在英国信用卡被盗刷的经历

几个月前,我一次登陆网上银行,一看信用卡当月的 Balance 三千多镑,顿时觉得不对劲,再一看, 发现了一笔一周前我不知情的交易。从交易描述来看是买汽车轮胎。

02/06/201403/06/2014B.P TYRES LIMITED NEWTON ABBOT + Merchant category name: AUTO TIRE STORES £1,779.65



当时是星期天,我立马打信用卡上的24/7的电话, 我说这笔钱不是我花的。其实我还是挺着急的, 生怕万一这钱拿不回来(不小的一笔啊)。银行卡人员叫我不要慌,说是先把我的卡冻结了, 并会马上给我寄来新卡和新号。但是退钱的部门周末没有上班,让我周一再打。

周一的时候我打了电话,说明了情况,银行的人员态度非常好,让我指出还有不是我花的交易,一笔一笔核对,我说确实只有这一笔。于是银行说钱会还给我。过了两天, 我收到了一个表格,让我签名,说这钱确实不是我花的。我迅速的签好就寄回。

过两天, 一看帐号,的确 refund 了, 帐号上显示是

04/06/201412/06/2014FRAUD TRAN ADJ XXXXX £1,779.65CR

银行其实应该有调查的, 这笔交易发生在英国西南部城市 Newton Abbot (我都没听过),我远在北面的 Sheffield 况且当天也用了信用卡吃饭什么的。并且我也没有车, 所以肯定不是我花的。

不过,银行也有问我有没有把卡借别人, 有没有把密码告诉别人, 我都说没有, 因为如果你回答是的话,银行可能就不赔了(部分是你的责任)。



至今我都不知道我的信用卡是如何被盗刷的, 搞不好是在哪家超市被复制卡了,至于密码如何知道的(超过20镑都需要输入密码的),有可能是摄像头吧。。

信用卡被盗刷后好处就是处理过程要比借记卡 (debit card) 简单,因为毕竟信用卡刷的是信誉。至于会不会影响个人信用,这个就不得而知了。有人说你的卡被盗也有一部分是你的责任(保管不善)。
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