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女子信用卡被盗刷14万多 法院判银行全赔_社会_环球网
扬中市人民法院经审理认为,11笔交易均为同日发生,且发生地为重庆、深圳、广州。董女士在发现信用卡被冒用后立即报案,同时拨打客服电话反映情况。董女士已尽警觉和注意义务。
法院指出,董女士对其信用卡被他人盗刷的主张已经完成了初步举证责任。在该银行未能举证反驳董女士主张或证明系董女士授意他人持卡消费的情况下,法院推定,上述争议的11笔交易系被他人冒用盗刷造成的。信用卡被冒用盗刷,透支使用者并非董女士本人,因此应根据导致信用卡被盗刷的责任,来确定谁应该对11笔被盗刷款负责。
现代快报记者获悉,在信用卡消费的过程中,信用卡的真实性与密码的符合性是确保资金安全和正当消费的两个关键环节,银行负有保障信用卡真实性及唯一性的义务,而持卡人则负有妥善保管信用卡及其密码的义务。
法官提醒,持卡人一旦发生信用卡异地被盗刷,应立即向银行反映,并向警方报案。此外,持卡人应迅速到附近的自动取款机操作银行卡。此举的目的在于证明卡主和银行卡均不在盗刷现场,证明银行卡系被他人伪造并盗刷。
女子存77万元当天就被盗刷 银行被判全额赔偿本息
程女士是安徽亳州人,在昆明工作。自2015年9月起,她就为77万元存款被盗刷而四处奔走,近日,她的不懈努力终于换来好结果,昆明市中级人民法院作出终审判决:开户银行全额赔偿她的损失及相应利息。
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