连日来，围绕"保障金融权益"等主题，一场由国家金融监管总局、中国人民银行等多方联合开展的金融 教育宣传周活动正在持续。但是，一次"隔空"盗刷信用卡风波，打破了不少金融消费者的安全认知，也 成为本次金融教育宣传周的"生动一课"。 日前，多名浦发银行"红沙宣卡"持卡人反映，明明人在境内却被显示在巴西发生多笔消费，盗刷金额达 1万-2万元。记者注意到，尽管浦发银行信用卡中心与万事达卡组织已发声称"避免持卡人承担不应由其 承担的损失"，但这起事件引发了公众对用卡安全的担忧。当信用卡遭遇盗刷，究竟该由谁来担责谁来 买单？而作为持卡人，该如何提升自我防护意识，避免"无妄之灾"？ 9月13日，浦发银行信用卡中心在其微信公众号发布说明，提到该中心检测到部分浦发银行万事达无价 世界信用卡发生未经授权的交易，浦发银行信用卡中心与万事达卡组织第一时间启动应急响应，及时发 现并阻断了风险。 揭秘盗刷伎俩：通常先出现小额消费做测试 记者了解到，浦发银行万事达无价世界信用卡因其暗红色的卡面也被称作"红沙宣卡"，是浦发银行标准 系列的白金卡，定位低于高端白金卡，主打首年免年费，消费6笔免次年年费，拥有境外消费返现1%等 权益。 事实上，在 ...

Core Viewpoint - The recent incident of credit card fraud involving Shanghai Pudong Development Bank's "Red Sand Card" has raised significant concerns about consumer safety and the responsibilities of banks and cardholders in protecting financial rights [2][3][7]. Group 1: Incident Overview - Multiple cardholders reported unauthorized transactions occurring in Brazil while they were physically in China, with losses ranging from 10,000 to 20,000 RMB [2][3]. - The fraud pattern typically involved small test transactions followed by larger unauthorized charges, with many users experiencing similar transaction sequences [3]. - As of September 16, over 350 users had joined a social media group to discuss their experiences with the fraud, indicating a widespread issue [3]. Group 2: Bank Response and Legal Framework - Shanghai Pudong Development Bank and Mastercard have initiated emergency responses to protect cardholders from bearing losses, committing to uphold customer rights [2][3][7]. - According to a 2021 Supreme People's Court ruling, banks are obligated to compensate cardholders for unauthorized transactions if they can prove the transactions were fraudulent [6][7]. Group 3: Consumer Protection and Risk Management - The incident highlights the need for improved risk management and consumer education regarding credit card safety, as the bank has faced a high volume of complaints related to credit card fraud [8]. - Legal experts emphasize that cardholders must also take responsibility for safeguarding their personal information to avoid potential losses [10]. - Recommendations for consumers include regularly monitoring transactions, enabling real-time alerts, and being cautious with card usage, especially in unfamiliar settings [11].

Core Viewpoint - The recent incident of credit card fraud involving Shanghai Pudong Development Bank's "Red Sand Card" has raised significant concerns about consumer safety and the responsibilities of banks in protecting their clients' financial interests [2][3][6]. Group 1: Incident Overview - Multiple holders of the "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 fraudulent transactions typically began with small test purchases of around 3 RMB, followed by larger transactions, often under 5,000 Brazilian Reais (approximately 6,000 RMB) [3]. - As of September 16, over 350 users had joined a social media group to discuss their experiences with the fraud, indicating a widespread issue [3]. Group 2: Bank Response and Legal Framework - Shanghai Pudong Development Bank and Mastercard have committed to ensuring that affected customers do not bear the financial losses from these unauthorized transactions [2][3][6]. - According to a 2021 ruling by the Supreme People's Court, banks are obligated to compensate customers for losses incurred from unauthorized transactions, provided that the fraud is determined to be a result of card skimming or network fraud [5][6]. Group 3: Consumer Protection and Risk Management - The incident highlights the need for improved risk management and consumer education regarding credit card safety, especially as Shanghai Pudong Development Bank has faced a high volume of complaints related to credit card issues [7][8]. - Experts recommend that consumers regularly monitor their transactions, set transaction limits, and utilize security features available through banking apps to mitigate the risk of fraud [9].

2025.09. 16 然而，这一事件仍引起高度关注：在移动支付盛行、跨境消费日益频繁的背景下，"隔空"盗刷是如何 发生的？一旦损失产生，责任应如何划分？而在磁条卡仍在海外大量使用的现实下，支付安全风险该 如何防范？ 隔空盗刷如何发生？ 与国内"刷卡必须输入密码"的普遍习惯不同，海外信用卡交易中，持卡人多数场景只需提供卡号、有 效期与CVV码（Card Verification Value）即可完成支付。缺乏密码验证的流程，令信用卡信息一 旦泄露，极易被复制利用。 CVV码由发卡行通过算法生成，并印制在卡背签名栏附近。它与卡号、有效期共同构成离线交易的 核心验证要素，主要用于酒店预订、电话订票、网络购物等无需实体卡的支付。 "盗刷的关键往往在于CVV码。"浙江杭州一位支付行业技术专家对记者解释称，"卡号和有效期在很 多支付环节可能被记录，若再加上CVV码，几乎等同于拿到一张可交易的信用卡。" 记者了解到，CVV码被盗取存在多种途径。最常见的是数据泄露，黑客通过攻击电商网站、支付平 台甚至银行数据库，批量窃取卡片信息。暗网交易是另一途径，一整套包括卡号、有效期、CVV、 姓名及地址的信息，售价仅数美元至十几美元 ...

一场突如其来的跨境盗刷风波，正让浦发银行信用卡用户陷入集体焦虑。从海外留学生、工作者，到国内持卡人，不同使用场景的用户纷纷中招，彻底打破 了持卡人对用卡安全的常规认知。留学生Noah（化名）至今不解，先是非洲、加拿大的小额交易试探，再到巴西多笔消费悄无声息入账，为何盗刷尝试能 横跨多国？到底是个人用卡习惯不当导致的信息泄露，还是信用卡技术或系统存在漏洞？当数字支付迈向"无感交易"，当芯片卡技术不断迭代，为何资金安 全的"防火墙"反而屡屡缺位？这场风波留下的，不仅是用户的信任危机，更给整个信用卡行业抛出了一道安全必答题。 盗刷行为横跨多国 在数字支付的高速公路上，没有永远牢不可破的"防火墙"，只有永不停歇的"攻防战"。 在浦发银行万事达无价世界卡（红沙宣）信用卡被盗刷一周后，小禾（化名）最终和浦发银行达成了补卡协议，考虑到主副卡持卡人所在的不同位置，浦发 银行向她承诺，将新的主卡寄往新西兰，副卡则单独寄往日本，被盗刷的资金不用小禾偿还。 虽然资金未受到损失，但小禾仍存在诸多疑虑，盗刷交易的渠道不明；发现盗刷前微信与手机银行均未收到任何提醒；在第一批用户集中反馈之前，银行内 部似乎并无统一应对方案。这些悬而未决的 ...

Core Viewpoint - The recent incidents of unauthorized transactions on the Shanghai Pudong Development Bank's Mastercard "Priceless World Card" highlight vulnerabilities in cross-border credit card transactions, particularly regarding the use of CVV codes and the risks associated with magnetic stripe cards [1][2][3]. Group 1: Incident Overview - Multiple users of Shanghai Pudong Development Bank's credit cards reported unauthorized transactions abroad, prompting the bank to offer compensation measures such as point compensation, refunds, and fee waivers [1]. - The bank's credit card center has activated risk prevention mechanisms after detecting abnormal transactions not authorized by cardholders [1]. Group 2: Mechanisms of Fraud - Unauthorized transactions often occur due to the lack of password verification in overseas credit card transactions, where only the card number, expiration date, and CVV code are required [1][2]. - The CVV code can be stolen through various means, including data breaches, phishing scams, and physical theft, making it a critical factor in credit card fraud [2]. - Criminals often wait to use stolen information, binding it to NFC-enabled mobile wallets to evade detection by risk control systems [2]. Group 3: Transaction Mechanisms - The incident raises questions about how users with low credit limits experienced significant unauthorized charges, attributed to the offline transaction mechanism used overseas [3]. - In this mechanism, merchants can complete transactions without real-time interaction with the issuing bank, allowing multiple transactions to occur before the bank updates the available balance [3]. - Some banks may temporarily increase credit limits for overseas transactions, which can be exploited by fraudsters, leading to higher unauthorized charges [3]. Group 4: Responsibility and Legal Framework - The responsibility for credit card fraud often lies with the issuing bank, especially if it fails to identify fraudulent transactions or does not act promptly to prevent them [5][6]. - In judicial practice, banks typically bear over 70% of the responsibility in fraud cases, although cross-border transactions complicate the process of seeking redress [5]. - Courts generally view consumers as the weaker party, placing the onus on banks and related institutions to provide compensation, while internal recovery of costs among institutions is handled separately [5][6]. Group 5: Payment Security Measures - The continued use of magnetic stripe cards is a significant factor in the prevalence of fraud, as they are more susceptible to theft compared to EMV chip cards [7]. - The transition to chip cards is essential for enhancing payment security and improving user experience, as magnetic stripe cards remain widely used overseas [7]. - Mastercard has introduced new chip cards compatible with both EMV and UnionPay standards in China, promoting the replacement of magnetic stripe cards to enhance security [7].

近日，多位浦发银行信用卡用户在社交媒体上发文，吐槽其信用卡被盗刷。此次被盗刷的信用卡为浦发 银行的"浦发万事达无价世界卡"，目前，浦发银行信用卡中心和万事网联均发布声明表示，已经监测到 该卡发生未经授权的交易，并启动应急响应。与此同时，记者从浦发银行和万事达处均获悉，经及时与 客户沟通处理，目前绝大部分被盗刷者的账单都已经清零。记者亦从部分被盗刷者处印证了这一点。对 于出现这种信用卡集中被盗刷的行为，据记者了解，一种较大的可能性是相关技术系统遭遇黑客攻 击。"网络攻击引起的信用卡盗刷现象层出不穷，确实需要各方提高警惕，多做防范，银行、发卡机构 和持卡人都是受害者。"一位业内人士表示。（21财经） ...

Core Viewpoint - Recent incidents of unauthorized transactions on the Shanghai Pudong Development Bank (SPDB) Mastercard "Priceless World Card" have raised concerns about payment security, with multiple users reporting overseas fraud without their knowledge [1][3][9]. Group 1: Incident Overview - SPDB's credit card center detected unauthorized transactions on the "Priceless World Card" and initiated an emergency response mechanism in collaboration with Mastercard [1][10]. - Affected users reported significant unauthorized charges, with one user experiencing nearly 20,000 yuan in fraudulent transactions despite having a low available credit limit [3][7][9]. - Users did not receive any notifications for the unauthorized transactions, which occurred in Brazil, leading to frustration and concerns about the bank's security measures [5][8]. Group 2: User Experiences - Multiple users, including Yang Lihong and Xiong Lan, reported similar experiences of unauthorized transactions occurring without prior notification, with amounts totaling approximately 19,000 yuan [3][5][7]. - One user had previously requested to cancel their card but still received notifications of fraudulent transactions after the card was supposedly deactivated [8]. Group 3: Bank's Response and Accountability - SPDB assured customers that they would not bear the losses from the unauthorized transactions and that a resolution plan was in place [8][9]. - Users expressed dissatisfaction with the bank's response, emphasizing that ensuring card security is the bank's responsibility and calling for more proactive measures [8]. Group 4: Analysis of Fraud Causes - Industry analysts suggest that the incidents may be due to organized technical fraud attacks rather than individual user negligence, indicating a potential vulnerability in the security systems of the affected credit card products [9][10]. - The concentration of fraud incidents among a specific card type suggests a targeted attack, raising alarms about the effectiveness of current security measures [9]. Group 5: Regulatory Context - Regulatory bodies have previously mandated banks to enhance risk management and fraud prevention measures, but challenges remain in fully mitigating overseas fraud risks [10]. - Various banks have implemented new measures to address cross-border transaction risks, but the industry consensus is that collaboration among card organizations, acquiring parties, and clearing networks is essential for effective fraud prevention [10].

浦发银行红沙宣卡。图源：官网截图 短短几天之内，浦发银行信用卡被大规模盗刷。 9月11日下午，身处哈尔滨的杨丽红接到微信提示，三笔交易入账浦发信用卡，合计人民币近1.3万元， 消费地点均在境外巴西。杨丽红登录App查询发现，早在9月9日，这三笔交易已经发生，交易当天她并 没有收到任何短信提示。 同一天，远在新西兰的熊兰也遭遇了信用卡被盗刷，盗刷金额、交易时间与杨丽红相近，交易地点同样 在境外巴西。在相近的时间里，不同地点的浦发信用卡持卡人都遭遇了类似的盗刷，贝壳财经记者注意 到，在某社交平台上，遭遇此次盗刷的持卡人群聊已达300多人。 据了解，本次被盗刷的多为浦发银行红沙宣卡。多名持卡人称，被盗刷时并未收到任何预警和提示，还 存在信用卡可用额度600多元却被盗刷将近2万元，以及8月份申请注销卡仍然被盗刷的情况。 当前，已有持卡人的账单被清零，相关信用卡已经冻结或挂失，无法使用。亦有多名持卡人告诉贝壳财 经记者，银行承诺客户不用承担相关盗刷损失。 9月13日凌晨，浦发银行信用卡中心发布声明称，针对本次情况，该中心主动回应客户关切，避免客户 承担不应由其承担的损失，全力维护客户合法权益。 万事达方面表示，已与发卡 ...

新华财经上海9月13日电（记者王淑娟）近日，有多名网友表示，自己的浦发银行万事达信用卡遭盗刷，盗刷地址显示为境外。记者在社交平台上看到，越 来越多的持卡人在社交平台上发布了自己被盗刷的经历。 （来源网络） 13日凌晨，浦发银行信用卡中心发布声明称，"近期，浦发银行信用卡中心监测到部分我行无价世界卡发生未经授权的交易。我中心与万事达卡组织第一时 间启动应急响应，及时发现并阻断了风险。针对本次情况，我中心主动回应客户关切，避免客户承担不应由其承担的损失，全力维护客户合法权益。" 万事网联13日也发布公告称，近期，万事达卡及万事网联在中国境内监测到部分未经授权的交易。公司与发卡银行一起第一时间启动应急调查，成立专项小 组追溯风险源、阻断潜在风险，并共同推进相关持卡人的资金保障流程，避免持卡人承担不应由其承担的损失。 "人在家中坐，锅从天上来，浦发银行信用卡被盗刷。"记者看到，连日来，来自多个社交平台的信息显示，有部分浦发银行万事达卡用户被盗刷。一位网友 分享的信息显示，此次共被盗刷2万元左右，第一笔是18元，然后又盗刷了3笔6500元以上的金额，9月9日被盗刷，9月11日才收到提示短信；还有网友表 示，7月就已经锁 ...