Core Viewpoint - Recent reports indicate a surge in unauthorized transactions involving Shanghai Pudong Development Bank (SPDB) Mastercard credit cards, with many users claiming their cards were fraudulently charged from overseas locations [2][8][11]. Group 1: Incident Overview - Multiple users have reported unauthorized transactions on their SPDB Mastercard credit cards, with the fraud occurring at overseas locations [2][11]. - Affected users have shared experiences on social media, with one individual reporting a total loss of approximately 20,000 yuan, including multiple transactions exceeding 6,500 yuan [11]. Group 2: Bank Response - SPDB's credit card center issued a statement acknowledging the unauthorized transactions and confirmed that they promptly initiated an emergency response to block the risks [8]. - The bank emphasized its commitment to protecting customer rights and ensuring that clients do not bear undue losses [8]. Group 3: Industry Response - Mastercard and its network also released a statement regarding the unauthorized transactions, indicating that they are collaborating with issuing banks to investigate the source of the risks and protect cardholders' funds [11]. - Analysts suggest that the concentrated incidents of overseas fraud may be linked to organized hacking activities [12]. Group 4: Prevention Measures - Industry experts recommend that consumers who do not have overseas spending needs should consider temporarily disabling international payment functions on their credit cards to mitigate potential losses [12]. - Additional preventive measures include setting transaction limits and reducing the threshold for contactless payments to lower the risk of unauthorized charges [12].