好消息！事关你的银行卡，今起实施！
<p style="text-align: center;" data-mpa-powered-by="yiban.io"><br/></p><p><br/></p><section style="text-align: center;line-height: 1.75em;"><span style="letter-spacing: 1px;">银行卡明明在自己手里、</span></section><section style="text-align: center;line-height: 1.75em;"><span style="letter-spacing: 1px;">余额却不翼而飞……</span></section><section style="text-align: center;line-height: 1.75em;"><span style="letter-spacing: 1px;"></span><span style="letter-spacing: 1px;">最高人民法院</span></section><section style="text-align: center;line-height: 1.75em;"><span style="letter-spacing: 1px;">《关于审理银行卡民事纠纷案件</span></section><section style="text-align: center;line-height: 1.75em;"><span style="letter-spacing: 1px;">若干问题的规定》</span></section><section style="text-align: center;line-height: 1.75em;"><span style="letter-spacing: 1px;">25日起施行</span></section><section style="text-align: center;line-height: 1.75em;"><span style="letter-spacing: 1px;">其中明确</span></section><section style="text-align: center;line-height: 1.75em;"><span style="color: rgb(2, 30, 170);"><strong><span style="letter-spacing: 1px;">借记卡被盗刷银行要赔偿损失</span></strong></span></section><section style="text-align: center;line-height: 1.75em;"><span style="color: rgb(2, 30, 170);"><strong><span style="letter-spacing: 1px;">信用卡被盗刷可以不还款</span></strong></span></section><section style="text-align: center;line-height: 1.75em;"><br/></section><p><br/></p><p style="text-align: center;"></p><p><br/></p><section style="font-size: 16px;"><section style="line-height: 1.75;letter-spacing: 1px;" powered-by="xiumi.us"><p style="white-space: normal;"><span style="font-size: 17px;">作为一种便捷的信用支付工具，银行卡在我国得到广泛使用。随着移动互联网向数字时代快速演进，银行卡网络支付日益增多。</span></p><p style="white-space: normal;"><span style="font-size: 17px;">近年来，在申领、使用银行卡过程中，因银行卡盗刷、信用卡透支息费、违约金收取等行为引发的银行卡纠纷持续增多，人民法院受理的案件呈现增长趋势，成为社会广泛关注的重要问题。银行卡盗刷在侵害当事人财产权益的同时，也影响了银行卡支付市场的安全稳定发展，潜藏着较大的风险。</span></p></section><section style="margin-top: 10px;margin-bottom: 10px;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;border-width: 0px 0px 0px 10px;border-style: solid;border-left-color: rgb(95, 156, 239);border-right-color: rgb(95, 156, 239);padding: 10px;border-radius: 5px 0px 0px 5px;box-shadow: rgb(153, 153, 153) 0em 0.2em 0.2em;background-color: rgb(239, 239, 239);"><section style="font-size: 17px;line-height: 1.75;letter-spacing: 1px;" powered-by="xiumi.us"><p style="white-space: normal;"><strong>银行卡盗刷类型：伪卡盗刷交易和银行卡网络盗刷交易</strong></p></section></section></section><section style="line-height: 1.75;letter-spacing: 1px;" powered-by="xiumi.us"><p style="white-space: normal;"><span style="font-size: 17px;">银行卡盗刷交易分为伪卡盗刷交易和银行卡网络盗刷交易两种，《银行卡规定》第十五条对两种盗刷类型进行了界定。</span></p><p style="white-space: normal;"><span style="color: rgb(2, 30, 170);"><strong><span style="font-size: 17px;">伪卡盗刷交易和网络盗刷交易</span></strong></span><span style="font-size: 17px;">的主要区别是，他人是否使用伪造的银行卡刷卡进行交易。伪卡盗刷交易着重强调他人伪造银行卡卡片刷卡进行交易；网络盗刷交易的特点是盗刷者不使用伪造银行卡卡片刷卡交易。</span></p><p style="white-space: normal;"><span style="font-size: 17px;">银行卡盗刷交易认定的着眼点是“持卡人账户发生非因本人意思的资金减少或者透支数额增加的行为”，该交易不是持卡人本人授权交易。</span><br/></p></section><section style="margin-top: 10px;margin-bottom: 10px;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;border-width: 0px 0px 0px 10px;border-style: solid;border-left-color: rgb(95, 156, 239);border-right-color: rgb(95, 156, 239);padding: 10px;border-radius: 5px 0px 0px 5px;box-shadow: rgb(153, 153, 153) 0px 3.2px 3px;background-color: rgb(239, 239, 239);"><section style="font-size: 17px;line-height: 1.75;letter-spacing: 1px;" powered-by="xiumi.us"><p style="white-space: normal;"><strong>借记卡被盗刷银行要赔偿损失，信用卡被盗刷可以不还款</strong></p></section></section></section><section style="line-height: 1.75;letter-spacing: 1px;" powered-by="xiumi.us"><p style="white-space: normal;"><span style="font-size: 17px;">《银行卡规定》第七条第一款规定，发生伪卡盗刷交易或者网络盗刷交易，</span><span style="font-size: 17px;color: rgb(2, 30, 170);"><strong>借记卡持卡人基于借记卡合同法律关系请求发卡行支付被盗刷存款本息并赔偿损失的，人民法院依法予以支持。</strong></span></p><p style="white-space: normal;"><span style="font-size: 17px;">第二款规定，发生伪卡盗刷交易或者网络盗刷交易，</span><span style="font-size: 17px;color: rgb(2, 30, 170);"><strong>信用卡持卡人基于信用卡合同法律关系请求发卡行返还扣划的透支款本息、违约金并赔偿损失的，人民法院依法予以支持</strong></span><span style="font-size: 17px;">；发卡行请求信用卡持卡人偿还透支款本息、违约金等的，人民法院不予支持。</span></p></section><section style="margin-top: 10px;margin-bottom: 10px;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;border-width: 0px 0px 0px 10px;border-style: solid;border-left-color: rgb(95, 156, 239);border-right-color: rgb(95, 156, 239);padding: 10px;border-radius: 5px 0px 0px 5px;box-shadow: rgb(153, 153, 153) 0px 3.2px 3px;background-color: rgb(239, 239, 239);"><section style="font-size: 17px;line-height: 1.75;letter-spacing: 1px;" powered-by="xiumi.us"><p style="white-space: normal;"><strong>银行卡盗刷的最终责任人为盗刷者</strong></p></section></section></section><section style="line-height: 1.75;letter-spacing: 1px;" powered-by="xiumi.us"><p style="white-space: normal;"><span style="color: rgb(2, 30, 170);"><strong><span style="font-size: 17px;">银行卡盗刷的最终责任人为盗刷者，</span></strong></span><span style="font-size: 17px;">因此，尽管持卡人可以基于其与发卡行、收单行、非银行支付机构、特约商户之间的法律关系诉求上述主体承担法律责任，但上述主体承担责任后，均依法享有请求盗刷者承担侵权责任的权利。</span><br/></p></section><section style="margin-top: 10px;margin-bottom: 10px;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;border-width: 0px 0px 0px 10px;border-style: solid;border-left-color: rgb(95, 156, 239);border-right-color: rgb(95, 156, 239);padding: 10px;border-radius: 5px 0px 0px 5px;box-shadow: rgb(153, 153, 153) 0px 3.2px 3px;background-color: rgb(239, 239, 239);"><section style="font-size: 17px;line-height: 1.75;letter-spacing: 1px;" powered-by="xiumi.us"><p style="white-space: normal;"><strong>获赔偿数额不超过其因银行卡被盗刷所致损失总额</strong></p></section></section></section><section style="line-height: 1.75;letter-spacing: 1px;" powered-by="xiumi.us"><p style="white-space: normal;"><span style="font-size: 17px;">鉴于基于同一银行卡盗刷交易事实，持卡人享有依据其与发卡行、非银行支付机构、收单行、特约商户、盗刷者等之间的不同法律关系、分别主张权利的事实，为避免持卡人重复受偿，《银行卡规定》第十三条规定，</span><span style="font-size: 17px;color: rgb(2, 30, 170);"><strong>持卡人所获赔偿数额不应超过其因银行卡被盗刷所致损失总额。</strong></span></p></section></section><section style="font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);font-size: 16px;text-align: center;color: rgb(106, 106, 106);line-height: 1.75em;"><section powered-by="xiumi.us"><section style="letter-spacing: 0.544px;text-align: start;color: rgb(0, 0, 0);"><section><section style="text-align: center;"><section style="letter-spacing: 0.544px;line-height: 1.75em;"><br/></section></section></section></section></section></section><section style="overflow-wrap: break-word; max-width: 100%; color: rgb(67, 74, 84); 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