Steps After Unauthorized Card Charges
Added 2026-10
Steps After Unauthorized Card Charges — Chinese original prompt
我的 [银行卡或支付账户] 出现 [几笔] 不明扣款，合计 [金额]，发生时间 [时间]。请给处置顺序：①立刻做什么，冻结卡片、关闭免密与境外支付、改密码；②保留哪些证据，交易明细、短信、设备登录记录、报案回执；③向银行主张时怎么表述，重点是非本人操作、未泄露验证码；④报案和向监管投诉的先后；⑤多久跟进一次。仅作流程参考，责任认定由银行与警方判断。
Site original
Chinese original
Example
Sample input
银行卡出现三笔不明扣款，合计四千多元，都发生在昨晚，怎么处理
The output should include
- 先冻结卡片并关闭免密支付
- 列要保留的交易与登录证据
- 注明责任认定由银行与警方判断
Replace these placeholders 4
Swap the bracketed parts for your own details before sending.
[银行卡或支付账户][几笔][金额][时间]
How to use
别先删可疑短信和 App，那正是证明你没自己操作的关键。
Try tweaking it
- Ask for a checklist and timeline, marking which parts need a professional.
- Replace "what should I do" with "which three things first, and when".
What you should get
- An ordered action list with deadlines
- What must be confirmed with a professional or official channel
Common mistakes
- Using it as the doctor or lawyer and acting on the answer directly.
- Taking a single conclusion without asking about preconditions or real costs.
How to check the output
- It gives an order of steps and a decision deadline.
- It flags what must be confirmed with a doctor, lawyer or official channel.
Where it works
- Good for: turning everyday decisions into checklists and timelines, flagging what needs a professional.
- Watch out: health, insurance and legal output is reference only — confirm with a doctor, broker or lawyer.