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].