信用卡屡遭盗刷，究竟该由谁担责？

Core Viewpoint - The recent credit card fraud incident involving Shanghai Pudong Development Bank (SPDB) has raised significant concerns about consumer safety and the responsibilities of banks and cardholders in protecting financial rights during the ongoing financial education campaign [2][3][7]. Group 1: Incident Overview - Multiple holders of SPDB's "Red Sand Card" reported unauthorized transactions occurring in Brazil, despite being in China, with losses ranging from 10,000 to 20,000 RMB [2][3]. - The fraud pattern typically starts with small test transactions, followed by larger unauthorized charges, with many users reporting similar experiences [4][6]. - As of September 16, over 350 users had joined a social media group to discuss their experiences, indicating a widespread issue [4]. Group 2: Bank Response and Legal Framework - SPDB and Mastercard have initiated emergency responses to protect cardholders, promising to avoid customer losses from unauthorized transactions [3][4][7]. - According to a 2021 Supreme Court ruling, banks are liable to compensate cardholders for unauthorized transactions if they can prove the fraud was not due to negligence on the cardholder's part [6][7]. Group 3: Consumer Complaints and Industry Trends - In 2023, SPDB received approximately 260,000 complaints related to credit cards, highlighting ongoing issues with consumer trust and service quality [8][9]. - The bank's credit card issuance has surpassed 110 million, but the overall trend in credit card issuance and spending is declining, leading to increased scrutiny on operational practices [9]. Group 4: Recommendations for Cardholders - Experts recommend that cardholders adopt better security practices, such as monitoring transactions regularly and using security features provided by banks to mitigate risks of fraud [10]. - Cardholders should also be cautious with their personal information and be aware of their responsibilities in safeguarding their financial data [10].