Recently, several bank customers in Hong Kong said that their credit cards were stolen to order Apple phones. In response, a spokesman for the Hong Kong Monetary Authority said that credit card transactions always require effective measures to ensure safety and protect the interests of customers. Individual merchants may not use or suspend additional certification arrangements due to operational considerations. In this case, the merchant is responsible for unauthorised transactions and financial losses. The spokesperson said that bank credit card holders should carefully check transaction records. If they suspect or discover that the credit card has been stolen, they should notify the issuing bank as soon as possible, including immediately deactivating the credit card concerned through online banking. Generally, if a bank credit card account is used for an unauthorized transaction and the cardholder has not committed any fraud or gross negligence, then the cardholder is not liable for the unauthorized transaction.

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