h2 id="activity-name" class="rich_media_title"银行卡被盗刷6万多，看杭州姑娘如何把钱讨回来！学着点！/h2div class="rich_media_meta_list"em id="post-date" class="rich_media_meta rich_media_meta_text"2014-12-29/em a id="post-user" class="rich_media_meta rich_media_meta_link rich_media_meta_nickname" href="javascript:void(0);"魔鬼金融学/a class="rich_media_meta rich_media_meta_text rich_media_meta_nickname"魔鬼金融学/ div "DISPLAY: none" id="js_profile_qrcode" class="profile_container"div class="profile_inner"strong class="profile_nickname"魔鬼金融学/strong img id="js_profile_qrcode_img" class="profile_avatar" alt="" src=""/ p class="profile_meta"label class="profile_meta_label"微信号/label class="profile_meta_value"Mgjrx2013/ p class="profile_meta"label class="profile_meta_label"功能介绍/label class="profile_meta_value"每天为你呈上轻松、妙趣横生的各种金融课堂，让你在复杂的金融、经济领域里享受简单惬意的旅行。商务合作Q：800100043/ /div id="js_profile_arrow_wrp" class="profile_arrow_wrp"i class="profile_arrow arrow_out"/ii class="profile_arrow arrow_in"/i//div/divdiv id="js_content" class="rich_media_content"img "WIDTH: auto !important; HEIGHT: auto !important; VISIBILITY: visible !important" src="http://mmbiz.qpic.cn/mmbiz/hGt3TOiaiaT1p88wUicE0PgSQYCEBRadsgcOKRFwOPmjG8bLKEfsyxgnPia1efm2MXftsaybG3ZCGRnib7IhLDrPlfw/0?wx_fmt=png&wxfrom=5" data-s="300,640" data-ratio="0.125" data-w="480" data-src="http://mmbiz.qpic.cn/mmbiz/hGt3TOiaiaT1p88wUicE0PgSQYCEBRadsgcOKRFwOPmjG8bLKEfsyxgnPia1efm2MXftsaybG3ZCGRnib7IhLDrPlfw/0?wx_fmt=png"/ "BOX-SIZING: border-box !important; TEXT-INDENT: 28; FONT-FAMILY: 宋体; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"杭州白领刘琼/ "BOX-SIZING: border-box !important; TEXT-INDENT: 28; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"(/ "BOX-SIZING: border-box !important; TEXT-INDENT: 28; FONT-FAMILY: 宋体; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"化名/ "BOX-SIZING: border-box !important; TEXT-INDENT: 28; MAX-WIDTH: 100%; WORD-WRAP: break-word !important")/ "BOX-SIZING: border-box !important; TEXT-INDENT: 28; FONT-FAMILY: 宋体; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"遭遇银行卡被盗刷。这个聪明的姑娘，一步步努力，终于从银行讨回自己的大部分损失。不过，大伙儿以后一定要小心刷卡，防止卡被复制或泄露密码。/ "BOX-SIZING: border-box !important; TEXT-INDENT: 28; FONT-FAMILY: 宋体; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"br "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"//img "BOX-SIZING: border-box !important; WIDTH: auto !important; WORD-WRAP: break-word !important; HEIGHT: auto !important; VISIBILITY: visible !important" src="http://mmbiz.qpic.cn/mmbiz/CiaqA0aNEibzd8cTaf4V2uUZyhqXUkRzBhHwpk9ibMcu5ibYOTbXUibhdfOia4XHj809UNNdp6ttJhn8MhyJMUzRZNvA/0?wx_fmt=jpeg?wx_fmt=jpeg&wxfrom=5" data-s="300,640" data-ratio="0.6646525679758308" data-w="331" data-src="http://mmbiz.qpic.cn/mmbiz/CiaqA0aNEibzd8cTaf4V2uUZyhqXUkRzBhHwpk9ibMcu5ibYOTbXUibhdfOia4XHj809UNNdp6ttJhn8MhyJMUzRZNvA/0?wx_fmt=jpeg?wx_fmt=jpeg"/fieldset class="tn-Powered-by-XIUMI"section "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"section "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important" "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important; COLOR: rgb(0,112,192)"strong "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"卡在身边，钱一笔笔被刷走/strong//section/section/fieldsetbr "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"/今年8月31日晚上9点47分，刘姑娘正在家休息，手机突然收到一条银行短信，显示她从自助终端转账1万多元。br "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"/刘姑娘警觉了起来：银行卡就在身上，怎么会有人取走钱？br "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"/她分析，应该是遭遇盗刷，赶紧先打银行热线，要求冻结账户。br "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"/可就在这通电话期间，扣款短信接二连三发来，刘姑娘卡里的6万多元钱，被扣得只剩143元。br "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"/刘姑娘赶紧去派出所报案。br "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"/fieldsetsection "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"section "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important" "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important; COLOR: rgb(0,112,192)"strong "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"查找案例后，她决定起诉银行/strong//section/section/fieldset "BOX-SIZING: border-box !important; FONT-FAMILY: 宋体; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"br "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"// "BOX-SIZING: border-box !important; FONT-FAMILY: 宋体; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"属地派出所的民警说，这些人可能是团伙作案，复制了很多张卡，才会/在一分钟内取走这么多笔，要破案，估计得花个一年半载。br "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"/盗刷的人抓不到，那找谁赔钱去？第二天，刘姑娘急匆匆赶到发卡行讨个说法，但银行的答复是：对你的遭遇深表同情，但我们也没办法。br "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"/刘姑娘想来想去觉得，密码从未告知他人，银行卡也在身边，这说明银行卡本身存在安全漏洞嘛！br "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"/她先通过银联系统，查询到5笔都是在广东省茂名市电白县的一台ATM机器上操作的。br "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"/而当晚11点左右，刘姑娘就携带银行卡去了派出所报案，这就可以证明刘姑娘本人不在电白县，卡也在杭州。br "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"/随即，她又在网上查找案例，发现很多人有过类似被盗刷的经历，通过起诉银行，获得了全额赔偿。br "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"/银行工作人员也告知刘姑娘，只能通稿法律途径解决。br "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"/于是，刘姑娘赶紧聘请了律师为她打官司。11月25日开庭当天，法官主持双方调解，银行当即表示愿意调解。br "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"/起初，银行说刘姑娘承担40%的损失。刘姑娘不答应，觉得银行应该全赔才对。br "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"/后来，考虑诉讼过程的漫长等待，刘姑娘最终接受了赔偿80%的方案，案结事了。 "BOX-SIZING: border-box !important; FONT-FAMILY: 宋体; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"br "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"//fieldsetsection "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"section "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important" "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important; COLOR: rgb(0,112,192)"strong "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"盗刷银行卡案，银行败诉居多/strong//section/section/fieldsetbr "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"/正如刘姑娘所言，记者在浙江法院公开网查询已经生效的判决书发现，多起涉及储户银行卡被盗刷的储蓄合同纠纷，都是银行败诉。br "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"/法院判决银行败诉的理由一般是，银行对储户的资金安全负有保障义务；银行发行的卡片有安全漏洞才被犯罪分子复制；不能证明储户有银行卡和密码保管不当的情形。br "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"/其中，也有东阳的一起案例，法院判决储户承担次要责任，认为储户没有举证自己尽到妥善保管密码的义务。img "BOX-SIZING: border-box !important; WIDTH: auto !important; WORD-WRAP: break-word !important; HEIGHT: auto !important; VISIBILITY: visible !important" src="http://mmbiz.qpic.cn/mmbiz/CiaqA0aNEibzd8cTaf4V2uUZyhqXUkRzBhLxUCH8EP71E5ToJvOpnzIqhwkbDEBhAoBBWSrVhPohUHib3G47QYEbw/0?wx_fmt=jpeg?wx_fmt=jpeg&wxfrom=5" data-s="300,640" data-ratio="0.819672131147541" data-w="366" data-src="http://mmbiz.qpic.cn/mmbiz/CiaqA0aNEibzd8cTaf4V2uUZyhqXUkRzBhLxUCH8EP71E5ToJvOpnzIqhwkbDEBhAoBBWSrVhPohUHib3G47QYEbw/0?wx_fmt=jpeg?wx_fmt=jpeg"/br "BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"/fieldset class="tn-Powered-by-XIUMI"section "BOX-SIZING: border-box; DISPLAY: inline-block; FONT-FAMILY: inherit; MAX-WIDTH: 100%; WORD-WRAP: break-word !important; COLOR: rgb(71,193,168); MARGIN-LEFT: 1em; 1em; FONT-WEIGHT: bolder; text-shadow: rgb(204, 204, 204) 4 3" class="tn-Powered-by-XIUMI"提醒/sectionsection "BOX-SIZING: border-box; MARGIN-TOP: -0.9em; MAX-WIDTH: 100%; WORD-WRAP: break-word !important" class="tn-Powered-by-XIUMI"section "BOX-SIZING: border-box; BORDER-BOTTOM: rgb(204,204,204) 1 solid; BORDER-LEFT: rgb(204,204,204) 1 solid; PADDING-BOTTOM: 16; LINE-HEIGHT: 1.5em; BACKGROUND-COLOR: rgb(239,239,239); PADDING-LEFT: 16; PADDING-RIGHT: 16; FONT-FAMILY: inherit; MAX-WIDTH: 100%; WORD-WRAP: break-word !important; 1em; BORDER-TOP: rgb(204,204,204) 1 solid; BORDER-RIGHT: rgb(204,204,204) 1 solid; PADDING-TOP: 22" class="tn-Powered-by-XIUMI"p "BOX-SIZING: border-box !important; MARGIN-TOP: 0; MIN-HEIGHT: 1em; MAX-WIDTH: 100%; WORD-WRAP: normal; WHITE-SPACE: pre-wrap; MARGIN-BOTTOM: 0" "BOX-SIZING: border-box !important; LINE-HEIGHT: 1.5em; FONT-FAMILY: inherit; MAX-WIDTH: 100%; WORD-WRAP: break-word !important; 1em"1/ "BOX-SIZING: border-box !important; LINE-HEIGHT: 1.5em; FONT-FAMILY: 宋体; MAX-WIDTH: 100%; WORD-WRAP: break-word !important; 1em"、消费时第一台/ "BOX-SIZING: border-box !important; LINE-HEIGHT: 1.5em; FONT-FAMILY: inherit; MAX-WIDTH: 100%; WORD-WRAP: break-word !important; 1em"POS/ "BOX-SIZING: border-box !important; LINE-HEIGHT: 1.5em; FONT-FAMILY: 宋体; MAX-WIDTH: 100%; WORD-WRAP: break-word !important; 1em"机刷一下，没刷出来，换一台重刷时，要警惕。那台没刷出来的/ "BOX-SIZING: border-box !important; LINE-HEIGHT: 1.5em; FONT-FAMILY: inherit; MAX-WIDTH: 100%; WORD-WRAP: break-word !important; 1em"POS/ "BOX-SIZING: border-box !important; LINE-HEIGHT: 1.5em; FONT-FAMILY: 宋体; MAX-WIDTH: 100%; WORD-WRAP: break-word !important; 1em"机，是不是就是复制磁条信息、盗取密码的犯罪工具；/p "BOX-SIZING: border-box !important; MARGIN-TOP: 0; MIN-HEIGHT: 1em; MAX-WIDTH: 100%; WORD-WRAP: normal; WHITE-SPACE: pre-wrap; MARGIN-BOTTOM: 0"2 "BOX-SIZING: border-box !important; FONT-FAMILY: 宋体; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"、一旦遭遇盗刷，第一时间冻结银行卡止损；/p "BOX-SIZING: border-box !important; MARGIN-TOP: 0; MIN-HEIGHT: 1em; MAX-WIDTH: 100%; WORD-WRAP: normal; WHITE-SPACE: pre-wrap; MARGIN-BOTTOM: 0"3 "BOX-SIZING: border-box !important; FONT-FAMILY: 宋体; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"、迅速携带银行卡去最近的派出所报案，以证明你人和卡都在本地；/p "BOX-SIZING: border-box !important; MARGIN-TOP: 0; MIN-HEIGHT: 1em; MAX-WIDTH: 100%; WORD-WRAP: normal; WHITE-SPACE: pre-wrap; MARGIN-BOTTOM: 0"4 "BOX-SIZING: border-box !important; FONT-FAMILY: 宋体; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"、去银联调取刷卡记录，证明盗刷地是外地，你不可能在该处；/p "BOX-SIZING: border-box !important; MARGIN-TOP: 0; MIN-HEIGHT: 1em; MAX-WIDTH: 100%; WORD-WRAP: normal; WHITE-SPACE: pre-wrap; MARGIN-BOTTOM: 0"5 "BOX-SIZING: border-box !important; FONT-FAMILY: 宋体; MAX-WIDTH: 100%; WORD-WRAP: break-word !important"、证据搜集完毕后，起诉银行索赔。//section/section/fieldset/div