信用卡在西门町招偷龙转凤!网友分享事情的经过!大家要小心呀

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骗子到处都有,大家要时时警惕哦,尤其是在人生地不熟的地方。事情就发生在刚刚的4月份,网友 TzeAi Khoo在脸书发文,《1 Lost Credit Card, 5 Lessons Learned!》,翻译成华语,《遗失信用卡的5个教训》

原文是英文版的(原po是用英文写的)

English Version

English Version

1 Lost Credit Card and 5 Lessons Learned!

Hi all, I’m sharing this so everyone can be more careful when traveling… You can share this if you have friends who travel often.

I was shopping at XiMenTing, one of the famous tourist spot in Taipei two nights ago, 8 April. Went to a shoe shop name ABC Mart. Bought 2 pairs of shoes and paid with my Citibank credit card. The cashier return the card to me together with the receipts rolled over it. I had a look at the card and placed it in my wallet together with all the receipts. That was the last place I used my card. It was crowded so we rushed out and continued to shop at smaller stalls with cash.

Fast forward to the next day, 9th April. Flight was delayed for an hour. We went for lunch and as we were about to walk to the departure hall, I received a sms from Citibank abt a transaction of more than RM5k to my card. Puzzled n surprised I open my wallet to check on my card😱😱😱 The card was not mine! It looked exactly like my Citibank card but the name was faded and the CVV was scratched out. I immediately called Citibank to report my lost card and they informed me that the last transaction was made to a company called NAMELESS.tw. They blocked the card and asked me to get a report at the nearest police station on my lost card.

Spent almost an hour trying to explain what happened to the policemen in mandarin 😅
Almost missed the boarding time. Ran like crazy woman.

Lessons learned:
1. Always double check your card when someone return it to you.
2. Try to use local bank card when traveling. The friend who was with me used his CIMB card and his card wasn’t changed. I guess the syndicate has many common bankcards like Citibank, HSBC … So a local bankcard is safer
3. If possible always have roaming service when you are traveling. Imagine if I didn’t get the sms from Citibank😰 I won’t even noticed my missing card.
4. If you have a few cards, use the card with the least credit limit and set a limit to your card when you are traveling. If something like this happened, the damage is limited 😅
5. Mandarin is a very important language. 😁

Hope my sharing served as a reminder that we shouldn’t take things for granted and must always be careful when traveling.

I’m praying that Citibank Malaysia will look into this too. It was a big amount charged at an unusual terminal. I think they should call the card owner before approving the transaction. They sometimes do but not this time. 😢

‪#‎lessonslearnt‬

事情的经过时这样滴。

《遗失信用卡的5个教训》——西门町,台北

大家好,我希望这个文章能够带给大家一个警惕,尤其是在旅游时候。如果身边有朋友常常出国,可以分享给他/她看。

前天晚上(4月8号),我在台北著名的西门町购物,去了一家鞋店,叫做ABC Mart。买了两双鞋后,用CitiBank信用卡支付。收银员把收据和信用卡还乐给我。我当时看了一下卡,就把收据和卡都收在钱包里。这也是我最后一次使用我信用卡的地方。当时ABC Mart非常拥挤,所以我们就离开,继续在附近的摊位以现金血拼。

ABC market

第二天,4月9日。航班延误了一个小时。我们一起去吃午餐,当我们即将走到出发大厅,我收到花旗银行(CITIBANL)的短信,告诉我,有一笔RM5000块的交易在我的信用卡。惊讶我打开我的钱包检查我信用卡😱😱😱该卡是不是我的!它看起来99%像我的花旗银行卡,但名字被消退,CVV被划破了。我马上打电话花旗银行报告我丢失的卡,他们(Citibank)告诉我,最后一笔交易是一个叫NAMELESS.tw公司制造。他们封锁了卡,并叫我到最近的警察局报案。

citibank card

西门町citibank

花了将近一个小时,试图向警察叔叔解释事情的来龙去脉😅
几乎错过了登机时间。在机场里发疯的跑来跑去。

得到的5个教训:

  1. 当别人还给你卡时,务必仔细检查您的卡。防人之心不可无!
  2. 旅行时,尽量使用本地的银行卡。比如CIMB, Public Bank等等。其他国际银行像Citibank,HSBC bank,比较容易被有心人士复制。
  3. 尽可能使用漫游服务(Roaming)。假设我没有得到Citibank的信息😰我甚至不会注意到我的已经被人偷龙转凤了。
  4. 如果你有几张卡,使用用最少的信用额度的卡(Credit Limit),或者可以在出国前到银行把信用卡的Credit Limit 设定到最低,就算是遗失,伤害也是最小的。
  5. 普通话(华语)是一种非常重要的语言。

大家看完这个文章是不是觉得怕怕的?版主教你,如果出国玩,如果可以的话,尽量不要用信用卡,除非是非常紧急的时候下。一来,信用卡在国外用其实会比你的汇率更贵,虽然说,很多家银行都会用现金回馈来抵消这个汇率的差价,但是,存在的风险太多了。当然,如果你是土豪级别的游客,无所谓啦。

任何时候现金是最好的。Cash is King。到什么地方都可以用。怕出国换太多那个国家的钱,然后用不完?别担心,可以多换个200-300美金来应急,一来美金也比较稳,在每个国家都会有比较好的汇率,二来,就当作是投资咯。

记得,大家到国外旅行都要打起十二分精神,别让有心人有机可乘!OppaSharing 翻译。

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