Yes this is pretty much the 'standard' response from most, if not all, HK banks... I too had a credit card fraud (a transaction for a purchase overseas department store). I filed a fraudulent alert to my HS*C back, they sent me some form to fill out.... said they would investigate the instance. A few weeks later they responded in writing that my fraudulent claim has been denied and that I would be responsible for the entire amount. They even included an image of the credit card charge receipt, which the 'signature'...which that signature (looks like someone scribble arabic, 8 centimeters long!!!!) that clearly NOT the same as mine (my bank should have my signiture, not to mention the signiture I signed on the back of my cc didn't match what the frauder provided). What kind of 'investigation' did my bank did that was 'thorough' and 'act to protect their customers'!!! I fought back.... They said the charge was done by card swipe / in person... I asked my employer to write a letter stating I was at work, in the office, on this date and time.... which there's no way I could be physically in that country performing the purchase / transaction! HS*C finally backed down and reverted the charge.... I usually do not sign on the back of all my cc, just because when I present my cc to make a purchase, the shop employee would see there's no signature behind the cc, would ask for my id to verify that I am the card owner.... that's a way to 'protect' myself.... but one time I tried to make a purchase at an apple store in HK, the apple employee saw my cc wasn't signed, I then presented him my ID which matches the name shown on the cc..yet he still refuse to allow me to use the cc and demanded me to sign it!!! That's stubborn if not dum 6. Even the manager at the store demanded I sign the cc.... anyone can learn your signature man!!!
唔用信用卡先安全,咁多單信用卡偷錢案好明顯有人利用漏洞不停偷錢,係外國刷你卡點會拉到佢
依加啲銀行啲保安漏洞甘多，然後要客戶埋單，痴九線
唔好傻啦 而家話俾人盜用果D 9成9中左scam 網(即係話積分到期) 然後自己打左信用卡資料俾騙徒
跟住俾人盜用左就話係銀行問題😂
係呀，唔好用呀，好危險㗎，我冇用成廿年喇(因為發生某騙案發誓以後都唔用)
真實個案，某一次我凌晨收到海外簽帳信息，我即時打去信用卡中心，首先停左佢，然後同客服講被盜，客服轉駁去信用卡被盜調查部，調查內容的確係有人盜用，但係海外果間鋪覺得有可疑主動提出終止交易，而非銀行主動取消，所以你諗下銀行呢嘰部門有冇用就知?如果非要用信用卡請核實佢地信用卡機有冇認證保護安全先過數(網上買野更加要小心)好多網上都冇嫁，同埋applepay goggle pay samsung pay都唔好綁信用卡，你部電話幾時中木馬係唔知嫁 順帶一提家用電腦更加要小心，如果要打信用卡盜料既網站諗清楚係咪信得過
銀行本身都係衰格不負責任
说的对。香港的银行全部都靠不住！最大的责任是香港金融管理局，它没有对香港银行负起严格监管的机制。
@@sapphoophoon2141 發生咗咁多單盜用信用卡個案,好似銀行保安方面都未見顯著改善,令所有持卡人提心吊膽,呢啲明顯係發卡銀行嘅責任,大家自求多福吧!
@chiu Richard用戶本身當然要小心看管財物包括信用卡,但針唔拮到肉唔知痛,而家好多case都係俾人偷卡消費,但最後要卡主承擔責任,即使報警都冇用,等於對卡主毫無保障,只係睇下邊個唔好彩中招,金管局應該要出手做啲野啦!
@chiu Richard 咁即係你都對銀行冇信心啦🤣我都有用卡,我都唔會亂咁碌又冇網上購物,當然冇人可以擔保你張卡嘅安全,罪魁禍首係“人“,但銀行喺處理客戶嘅卡被盗用嘅事件上的確明顯唔想幫啲卡主,所以我先話啲銀行衰格.
@chiu Richard 同意,今時今日嘅香港已經冇30年前咁安全,萬事要小心,為求自保,不要輕易相信別人.
網上交易平台問題，關銀行咩事仲叫咩校長
好明顯最安全嘅方法就係唔好用銀行職員 想咁講😅
Citi bank saving 都可以比人無聲無色咁過走晒d 錢 ，信用卡更加唔可信。話幫你查其實只係耍你。佢自己咁大間銀行都可以過錯錢去美國啦 市民既錢你話佢會當係咩
不如轉用debit card 吧，個仔要幾多，先至從另一個銀行賬戶轉去debit card，就算唔好彩俾人hack 都只係有限錢唔會over，當然一樣要報警。
用credit card 貪積分，里數，食肆優惠，得不嘗失。我以家基本上唔用credit card。
痴孖根，個校長自己買野唔記得都算，講到咁驚，cut卡算吧啦！
校長嗰段我唔明，即係校長其實真係有喺Apple Shop買嘢？咁咪唔係盜用囉？
@@Melody12129 Apple Store 個兩筆數係事主買
黎個校長似系冇知既大媽，銀行出卡個時份表格一定有問你同吾同意過額，過額原意系比D卡主有乜野急雖時用，所以搏上電視前都先諗下申請卡時自己有冇睇過D條款先系到投訴，冇point
其實佢自己去Apple買嘢都可以唔記得👍🏼 如果佢係網上買嘅話 金額係唔會即時扣款 要等到出貨前後嗰一日 先會真係去扣款 因為佢有買apple care關係 所以會分拆出嚟 利申自己經驗
要小心。銀行有人工作😮
校長有一句說明說法太對了，就係吾好用信用卡，直接去銀行取消信用卡，但係吾好電話取消，直接去銀行取消
其實我一路都唔明，明明有啲叫未誌帳交易，銀行唔係應該截到條數未俾錢個商戶。同埋宜家成日聽係，銀行大數反而屈小巿民接納，細數可能數量太多驚得罪太多巿民，反而唔使你還。但總覺得銀行根本無方法同你查，只係揀啲人不幸要佢食條數。但係又例如黑客同一秒可以過幾筆數，其實你手機付款咩付款方式都無咁快啦，擺明係用robot做既，都可以唔知佢係可疑交易，真係好鬼廢。
方法關左電話唔聽電話
信用卡係有錢人設計出黎,呃窮人錢
以前商戶要向銀行遞交賬單，銀行先過數俾商戶，所以個日期入賬唔會係同一日，現在不太清楚，以前未有電子信用咭前我去泰國旅行，5月簽既賑，7月先收到，嗰陣時無咁多蠱或野，俾較放心，現在真係要小心，記住手機要関NFC，要俾$嗰刻先開，有少少唔方便，但俾人偷咗或跌咗部機都無咁傷！
信用卡簽賬（無論係親身或網上交易）每當超過一個銀碼，例如$500，銀行都應該要用電話短訊或其他方法要求卡主核實才可通過交易，否則客戶毫無保障，最好cut左張卡算了。
可能有些信用卡用戶須要多一些保障措施，譬如增設卡主在APP內批准完成交易。
之前東張還是一線就有個案，同一事主同時3張卡被盜用狂碌，同是設了最高限制下，AEON和另一張都即時鎖了和有「問」卡主，得匯豐是當沒事發生每次都直接過數
另外就是銀行可推說是有用過OTP(一次性)，所以一段時間內不會再檢查碌卡情況任用，但卡主表示沒用過也沒收過做訊
而且OTP功能銀行居然說不能停止...這才是最大漏洞
除香港外，台灣上年不少信用卡被盜都是和OTP有關
@@eilot20000382 金管局要做嘢，唔可以俾銀行亂咁黎！
刪除信用卡
@@Steve-tz6ck 台灣21-22年因為銀行OTP漏洞，令愈來愈多銀行也停止/取消此功能，香港真是要跟上
又或者要強制限定OTP時限，有些是給100秒，但東張和一線那次是能維持數天至星期而且不能停，去到直播被盜用過數地步...
說到底都是大手筆的高額交易，每次手續再煩都是需要，設定指定金額就要每次都要同時短訊通知，
不能因OTP就能免去再次通知這重要步驟，這只是免去記密碼的步驟，而不是免去再確認步驟，這絕對是白X的設定
不過也認同，不懂得用就不要用...申請了卡後就不要綁其他服務，用來買點數卡再逐次消費更安全...
每間銀行申請表都有得選唔超信用額, ..............我以為係常識
最好唔好用信用咭：支付簿；轉數快：手機.最容易比人偷钱
他們負責係保障商戶收到錢😂
唔使露面都可以申請到信用卡, 整一張改圖改出嚟既假住證都批到。講真, 唔使露面申請, 申請時提交既資料同文件好心就CHECK下啦 ( 有CHECK肯定知係假 ) 作為受害者既我覺得同樣都係咁神奇。我都有報警, 我係唔使負責筆錢, 但我好好奇點解會拉唔到人。
Yes this is pretty much the 'standard' response from most, if not all, HK banks... I too had a credit card fraud (a transaction for a purchase overseas department store). I filed a fraudulent alert to my HS*C back, they sent me some form to fill out.... said they would investigate the instance. A few weeks later they responded in writing that my fraudulent claim has been denied and that I would be responsible for the entire amount. They even included an image of the credit card charge receipt, which the 'signature'...which that signature (looks like someone scribble arabic, 8 centimeters long!!!!) that clearly NOT the same as mine (my bank should have my signiture, not to mention the signiture I signed on the back of my cc didn't match what the frauder provided). What kind of 'investigation' did my bank did that was 'thorough' and 'act to protect their customers'!!! I fought back.... They said the charge was done by card swipe / in person... I asked my employer to write a letter stating I was at work, in the office, on this date and time.... which there's no way I could be physically in that country performing the purchase / transaction! HS*C finally backed down and reverted the charge.... I usually do not sign on the back of all my cc, just because when I present my cc to make a purchase, the shop employee would see there's no signature behind the cc, would ask for my id to verify that I am the card owner.... that's a way to 'protect' myself.... but one time I tried to make a purchase at an apple store in HK, the apple employee saw my cc wasn't signed, I then presented him my ID which matches the name shown on the cc..yet he still refuse to allow me to use the cc and demanded me to sign it!!! That's stubborn if not dum 6. Even the manager at the store demanded I sign the cc.... anyone can learn your signature man!!!
I always locked all my credit cards, to prevent fraudulent transactions. It’s kinda hassle but it’s worth it.
i think in malaysia also got this case. as credit limit can approve more than the limit, in this case what is the purpose of credit limit
太多盜用 決定唔用
其實阿叔在邊個網買遊戲產品？
呂校長問得好. 有人真是超額, 被盜用的交易还是过到数.
我都試過⋯都係澳元⋯一樣連續3張賬單😮即刻打去card centre⋯⋯最初都擔心要我負責⋯⋯好彩最後唔洗我負責😅⋯⋯其實佢都會睇吓你平時嘅網上交易去決定，但我姨甥就冇咁好彩😢要負責哂成條數🤢🤢
點拎到你otp過數?
@@iptinchi1856 真係唔知呀⋯執身彩
我已戒掉使用信用卡
老實講，全用現金都唔係好煩啫。 唔好貪啲信用卡積分和禮品
啱，羊毛出自羊身上，幾時銀行會蝕俾你。
真係諗諗下倒不如開多個戶口係debit-card專用 如有需要信用額度既直頭改申請循環貸款卡/私人貸款做flow算
呢班所謂苦主, 講啲唔講啲,
不是事實的全部。尤其係個阿叔, 報咗警就証明冇講大話, 真係神邏輯。
只可以講句，祝你一世好運，當你唔好彩果陣你就知
只要佢有發一次性密碼比你手機。銀行條數入硬你數。
Apple pay 比人hack 在系信用卡問題定Apple 問題?
如果有鎖卡又會唔會被盜用？一向有鎖卡習慣，每次6卡時先開返，付款完再鎖過
48小時內都要負責
唔好攪咁多嘢比現金最實際，其實比現金到好型每個衫袋褲袋代一疊金牛😊
呂校長 匯豐🤣
用現金
唔好將信用咭綁定自己原有銀行戶口，可試用預付咭，要用至入錢增值，張咭必需一定要有開咭+熄咭功能,普通網買野八達通master card都ok的😊
預付咭-全球付
預付卡沒辦法增加信用評分，呢點又如何解決？
官方客服說信用卡綁了流動支付的話，那預設最高信用額就會無意義，和官方郵件說還是受制於最高信用額，那打電話問客服還能否信得過...
口郅郅就知佢唔肯定。又或者是新入職，百漏差出。
恐怖😮
取消電話號碼
銀行職員有古惑
雖然張生陳述得有點亂，可想而知他有多無奈，最好減少無謂的網上購物
"不經授權既交易" 反而無限制 ? 咩道理 ? 係咪真係客服講錯野 ?
而家搵左好多大陸人客服,其實佢地都唔太清楚..
講啲唔講啲，用手機買game玩？有可能你個仔買game玩，冇話你知？
用 debit card咪好攞、沒錢沒得扣丶用乜credit card 呢😂😂😂
澳洲的話有時Debit card都會over draft 😅
大家碌泰國網/舖頭卡，記得小心，好幾個朋友都係泰國當地or網上泰國店鋪買過嘢，之後被人盜碌😅
八達通apple pay等, 都係自己系統先記帳之後再向銀行收錢, 咁當然就可以超出您自定嘅信用額啦, 因為八達通系統唔會知道你信用卡已用盡信用額, 😂
問題係客戶知唔知, 銀行有冇同客解釋清楚, 背後嘅交易原理係銀行同商戶之間協議, 根本就無須信用卡使用者同意, 信用卡使用者理解信用卡限額當然就係指限額上限, 呢個係一個好給你嘅期望。
只有香港debit card 没扣账卡，内地的话，可以设置电子渠道单笔和月最高消费额，ATM取款单笔和月最高消费额。实测超过是无法通过交易和取现。一直设置几百，需要大金额在打开限额
debit card 不是扣賬卡，大陸真係喜歡新瓶舊酒，改個名就當新發現，我懵了，我國利害了。
其實誰是受騙者？如果有人拿假支票去銀行提錢，銀行付錢，然後把損失轉移到客戶身上，合理嗎？騙徒行騙的對象是銀行、是信用咭公司，受騙的亦是銀行和信用咭公司，為何䓀主變成了咭主？銀行和信用咭公司有責任防止被騙。如果銀行和信用咭公司繼續強行把損失移到客户身上，政府有責任進行監管、修例，防止小市民無辜受害;否則此類騙案永無止境。
你瞪大雙眼看清楚成件事才發表你的高建啦
你說得對. 中國法律也是銀行要負責. 因為是騙銀行不是騙客戶.
銀行幾時變咗以為信用卡限額30,000就過咗係唔可以用到咁如同虛設囉
成日打電話俾我錢沒信用卡
我好內都冇用花期片
唔用信用咭會死的嗎
好多時網購要credit card嫁
@@Angelo-tj2ll 除了網購外，有些網站帳號(如當年的 Apple ID)在申請時都要求信用卡帳號。
雖然Apple 是有繞道方法來回避信用卡輸入這步驟
如果用了金融服務的話，在轉地址或其他個人資料時，也可能要求再次輸入信用卡
有現金何需用信用卡呢！用EPS都可以㗎！
@@eilot20000382
我自己從來一張信用咭都無
自己有錢就買,無就算
點解要先洗未來錢
比個10萬元簽賬額你
幾能威水呀
咁樣轆咭會令自己好有信用?
會好能威咩?
害能死你呀
😡😡
@@pc130eify 威甚麼水啊，現在是客服「講野一舊舊」，信用卡不是只得「先洗未來錢」這唯一用途，有時更是申請網站服務時的要求，
當年APPLE ID 香港區是綁信用卡才能申請，但其他地區又未必需要，所以才有教學轉其他區申請
而近年多人用蘋果裝置才沒了這限制
當然你用來睇4仔網或支付比特幣就另計
另外比個10萬元簽賬額，你自己一次用盡，是你白痴問題，與人無關
銀行 🧄 🐕 數
騙網
自己電話中木馬啦又
美麗新香港已經成為老千集中營😅😅😅
靠職員不如靠自已 佢D口音 D信用卡中心可能係全部係大陸 Wi-Fi 就唔好用 用自己數據手機登入網上銀行設定每月0蚊消費或1000蚊消費上限
唔怪得蔡天鳳要带100萬現金出街安全過用咭