信用卡被盜刷英文怎麼說？打給銀行這樣講

住在美國的你到西雅圖旅行，手機突然跳出簡訊：邁阿密一筆 400 美元的消費。你明明人在西雅圖，卡也好好躺在錢包裡，打給銀行卻脫口說 “My credit card was stolen.”

卡還在身上就說 Someone used my card number. 或 There’s a charge I don’t recognize.；接著請客服 Can you freeze my card?，再說 I’d like to dispute this charge.

💡 先搞懂：「盜刷」不是 stolen：卡還在你手上就別這樣說

中文一句「被盜刷」，英文要看卡片本身在不在你手上。實體卡真的被偷才說 My card was stolen.；卡還在錢包裡、只是卡號被別人拿去用，要說 Someone used my card number. 或 There’s a charge I don’t recognize.。客服比較快判斷是盜刷，也能更快幫你凍結卡片、處理那筆消費。

台灣人最容易卡的雷：① 卡還在身上卻說 My card was stolen. → Someone used my card number.；② Please stop my card. → Can you freeze my card?；③ I don’t want to pay this. → I’d like to dispute this charge.

Table of contents

💡 先搞懂：「盜刷」不是 stolen：卡還在你手上就別這樣說

情境對話 Dialogue
🎯 30 秒快速複習
下次這樣說 Next Time
重點單字 Vocabulary Boost
重點句型 Sentence Patterns
逐字稿 Transcript
延伸學習 Keep Going

情境對話 Dialogue

邊聽邊學

這一集完整音檔就在這裡，也可以到 Apple 或 Spotify 收聽

立即播放約 8 分

場景：住在洛杉磯的 Grace 到西雅圖旅行，手機跳出一則簡訊：邁阿密有一筆四百美元的消費。她馬上打卡片背面的電話給銀行，接電話的是客服 Daniel。

Daniel

Thank you for calling customer service. This is Daniel. How can I help you today?

感謝您來電客服中心，我是 Daniel。今天有什麼可以幫您？

Grace

Hi, my credit card was stolen. I just got a text about a four-hundred-dollar charge in Miami.

你好，我的信用卡被偷了。我剛收到簡訊，說邁阿密有一筆四百美元的消費。（卡其實還在她身上）

Daniel

I’m sorry to hear that. Do you still have the card with you?

很遺憾聽到這件事。卡片現在還在您身上嗎？

Grace

Yes, it’s right here in my wallet. And I’m in Seattle, not Miami.

在，就在我錢包裡。而且我人在西雅圖，不在邁阿密。

Daniel

Okay, so your card wasn’t stolen. Someone used your card number. That sounds like fraud, and we can help.

好，所以您的卡沒有被偷，是有人盜用了您的卡號。這聽起來是盜刷，我們可以幫您處理。

Grace

I see. I didn’t make this charge. Can you freeze my card?

了解。這筆不是我刷的。可以幫我凍結卡片嗎？

Daniel

Done. Your card is frozen now. I’ll also open a dispute for that charge, so you shouldn’t have to pay for it.

好了，您的卡已經凍結。我也會幫您申訴那筆消費，您應該不用付這筆錢。

Grace

Thank you. But I’m traveling for two more weeks. How do I pay for things?

謝謝。可是我還要再旅行兩個禮拜，這樣要怎麼付錢？

Daniel

We can send a replacement card to your hotel. It takes three to five business days.

我們可以把補發的新卡寄到您的飯店，大約三到五個工作天。

Grace

That’s perfect. Please send it to my hotel. Thanks for your help.

太好了，請寄到我的飯店。謝謝你的幫忙。

🎯 30 秒快速複習

卡還在身上：Someone used my card number.（真的被偷才說 My card was stolen.）／發現怪帳：There’s a charge I don’t recognize.／先止血：Can you freeze my card?／不想付：I’d like to dispute this charge.／旅途中補卡：Can you send it to my hotel?

①有一筆我不認得＝There’s a charge I don’t recognize.

②這筆不是我刷的＝I didn’t make this charge.

③有人盜用卡號＝Someone used my card number.

④請凍結我的卡＝Can you freeze my card?

⑤我要申訴這筆＝I’d like to dispute this charge.

⑥卡真的被偷＝My card was stolen.

⑦補發新卡＝Can you send me a new card?

⑧要多久＝How long will it take?

下次這樣說 Next Time

打給銀行處理盜刷，這三句最容易講錯。

① 卡還在身上

❌ 中文腦會說

My credit card was stolen.

實體卡被偷才這樣說

✅ 該這樣說

Someone used my card number.

卡號被盜用

為什麼：stolen 是卡片本身被偷。卡還在你手上、只是卡號被別人拿去刷，要說 Someone used my card number.，客服比較快知道問題出在卡號。

② 要暫停卡片

❌ 中文腦會說

Please stop my card.

聽得懂但不道地

✅ 該這樣說

Can you freeze my card?

凍結＝先暫停

為什麼：銀行用 freeze（暫停，之後可以解凍）或 cancel（直接作廢、換新卡）。stop my card 對方聽得懂，但不是銀行的說法。

③ 不想付這筆

❌ 中文腦會說

I don’t want to pay this.

像在耍賴

✅ 該這樣說

I’d like to dispute this charge.

正式申訴

為什麼：dispute 是銀行正式「申訴一筆消費」的說法，客服一聽就知道要走哪個流程。

重點單字 Vocabulary Boost

charge/tʃɑːrdʒ/ n.

一筆（刷卡）消費。

There’s a charge I don’t recognize.（有一筆消費我不認得。）

fraud/frɔːd/ n.

詐騙、盜刷。

That sounds like fraud, and we can help.（這聽起來是盜刷，我們可以幫您。）

freeze/friːz/ v.

凍結（卡片暫停使用，之後可以解凍）。

Can you freeze my card?（可以幫我凍結卡片嗎？）

dispute/dɪˈspjuːt/ v. n.

申訴、提出異議（不承認某筆消費）。

I’d like to dispute this charge.（我要申訴這筆消費。）

recognize/ˈrekəɡnaɪz/ v.

認得、認出。

I don’t recognize this charge.（我不認得這筆消費。）

card number/kɑːrd ˈnʌmbər/ n.

卡號。

Someone used my card number.（有人盜用我的卡號。）

replacement card/rɪˈpleɪsmənt kɑːrd/ n.

補發的新卡。

We can send a replacement card to your hotel.（我們可以把新卡寄到您的飯店。）

business day/ˈbɪznəs deɪ/ n.

工作天（不含週末和國定假日）。

It takes three to five business days.（大約三到五個工作天。）

重點句型 Sentence Patterns

1. 發現怪帳 → There’s a charge I don’t recognize.

recognize＝認得，用「我不認得這筆」最清楚。

例：There’s a charge I don’t recognize.（有一筆消費我不認得。）
例：I didn’t make this charge.（這筆不是我刷的。）
例：I got a text about a charge in Miami.（我收到簡訊，說邁阿密有一筆消費。）

比 strange charge 更清楚，客服一聽就知道你在講盜刷。

2. 卡還在手上 → Someone used my card number.

先講清楚卡片本身在不在你身上。

例：Someone used my card number.（有人盜用我的卡號。）
例：My card is still with me.（卡還在我身上。）
例：I think my card information was stolen.（我覺得我的卡片資料被盜了。）

實體卡真的被偷說 My card was stolen.；弄丟說 I lost my card.

3. 先止血 → Can you freeze my card?

freeze 是暫停，cancel 是作廢。

例：Can you freeze my card?（可以幫我凍結卡片嗎？）
例：Can you block this card?（可以幫我停用這張卡嗎？）
例：Please cancel this card and send me a new one.（請把這張卡作廢，寄一張新的給我。）

很多銀行 App 也有 freeze card 的開關，可以自己先按。

4. 不想付這筆 → I’d like to dispute this charge.

dispute 是正式申訴，不是吵架。

例：I’d like to dispute this charge.（我要申訴這筆消費。）
例：Will I get my money back?（錢會退回來嗎？）
例：Do I have to pay for this charge?（這筆我需要付嗎？）

申訴期間通常那筆先不用付，實際規定以你的銀行為準。

5. 旅途中補卡 → Can you send it to my hotel?

人在外地，新卡可以請銀行寄到飯店（各家規定不同，先問一句）。

例：Can you send the new card to my hotel?（新卡可以寄到我的飯店嗎？）
例：How long will it take?（要多久？）
例：It takes three to five business days.（大約三到五個工作天。）

business days 不算週末和國定假日，週五打電話要多抓兩天。

逐字稿 Transcript

Your phone buzzes. It’s a text from your bank, and there’s a big charge from a city you’ve never even visited. What do you say to the bank? I’m Jason, and today we’re practicing exactly that.你的手機震了一下，是銀行傳來的簡訊，有一筆很大的消費，地點是你從來沒去過的城市。這時你要跟銀行說什麼？我是 Jason，今天我們就來練這個。

And I’m Mary. Okay, here’s our story. Grace is from Taiwan, and she lives in Los Angeles. This week, she’s on a trip to Seattle. Her phone shows a text about a four-hundred-dollar charge in Miami. She’s never been there, so she calls the number on the back of her card.我是 Mary。好，來看今天的故事。Grace 來自台灣，住在洛杉磯，這週到西雅圖旅行。她的手機跳出簡訊，說邁阿密有一筆四百美元的消費。她根本沒去過，所以打了卡片背面的電話。

A man named Daniel answers. He works in customer service at the bank. He says, “Thank you for calling customer service. This is Daniel. How can I help you today?” Pretty normal start, right?接電話的是 Daniel，他是銀行的客服人員。他說：「Thank you for calling customer service. This is Daniel. How can I help you today?」很正常的開場，對吧？

Then Grace says, “Hi, my credit card was stolen. I just got a text about a four-hundred-dollar charge in Miami.” Here’s the thing. Her card is still in her wallet. So that first sentence is not the best choice.接著 Grace 說：「Hi, my credit card was stolen. I just got a text about a four-hundred-dollar charge in Miami.」重點來了，她的卡還在錢包裡，所以第一句其實不是最好的選擇。

Yeah. “My credit card was stolen” is perfect English when someone really takes your card. But Grace still has hers. So Daniel asks, “Do you still have the card with you?” That’s the key question.對。有人真的把你的卡拿走時，「My credit card was stolen」是完全正確的英文。可是 Grace 的卡還在。所以 Daniel 問：「Do you still have the card with you?」這是關鍵的問題。

And Grace says, “Yes, it’s right here in my wallet. And I’m in Seattle, not Miami.” Then Daniel says, “Okay, so your card wasn’t stolen. Someone used your card number.” The plastic is safe. Only the number was used.Grace 說：「Yes, it’s right here in my wallet. And I’m in Seattle, not Miami.」然後 Daniel 說：「Okay, so your card wasn’t stolen. Someone used your card number.」實體卡片沒事，被盜用的只有卡號。

So keep three ideas apart. A thief takes your card: “My card was stolen.” You can’t find your card: “I lost my card.” The card is with you, but the number was used: “Someone used my card number.”所以要分清楚三種狀況。小偷拿走卡片：「My card was stolen.」找不到卡片：「I lost my card.」卡還在身上，但卡號被用：「Someone used my card number.」

Another easy line is “My card is still with me.” Say it early, and the bank knows right away it’s about the number, not the card. It saves you a few questions, and honestly, a little stress.還有一句很簡單：「My card is still with me.」早點說，銀行馬上就知道問題出在卡號，不是卡片。這樣可以少回答幾個問題，老實說也少一點壓力。

I had a small version of this. My card stopped working at a store in Osaka, and I totally panicked. The bank had frozen it because of a weird charge. I just wish I’d known what to say.我自己也遇過類似的小狀況。我的卡在大阪一家店突然刷不過，我整個慌了。原來是銀行因為一筆怪怪的消費把卡凍結了。我當時真希望自己知道該怎麼說。

Oh, I get that. Next, Daniel adds, “That sounds like fraud, and we can help.” Fraud means someone is using your money in a dishonest way. And Grace says, “I see. I didn’t make this charge. Can you freeze my card?”我懂那種感覺。接著 Daniel 又說：「That sounds like fraud, and we can help.」fraud 就是有人用不誠實的方式動用你的錢。然後 Grace 說：「I see. I didn’t make this charge. Can you freeze my card?」

I like “I didn’t make this charge.” It’s clear and polite. Or you can say, “There’s a charge I don’t recognize.” Recognize just means you know it. You don’t know this charge, so you don’t recognize it.我喜歡「I didn’t make this charge.」這句，清楚又有禮貌。你也可以說：「There’s a charge I don’t recognize.」recognize 就是認得。你不認得這筆消費，所以說 don’t recognize。

Now, freeze. Freeze means pause the card for now. You can unfreeze it later if everything is fine. Cancel is different. Cancel means the card is dead, and the bank gives you a new one.接下來是 freeze。freeze 是先把卡暫停，之後如果沒事，可以解凍。cancel 就不一樣了，cancel 是卡片作廢，銀行會給你一張新的。

Block also works, like “Can you block this card?” And many bank apps have a freeze button. So you can tap it yourself, even before you call. Most banks can also send you a text alert for every charge.block 也可以用，像是「Can you block this card?」而且很多銀行的 App 都有凍結按鈕，所以你打電話之前，自己就可以先按。大部分銀行也能在每次刷卡時傳簡訊提醒你。

Then Daniel says, “Done. Your card is frozen now. I’ll also open a dispute for that charge, so you shouldn’t have to pay for it.” In plain words, the bank will check this charge for her.然後 Daniel 說：「Done. Your card is frozen now. I’ll also open a dispute for that charge, so you shouldn’t have to pay for it.」簡單說，銀行會幫她查這筆消費。

Dispute sounds big, but it’s simple. To dispute a charge means you officially tell the bank, “This one is wrong.” Usually you don’t pay it while the bank checks. But rules depend on the bank, so ask them.dispute 聽起來很正式，其實很簡單。dispute a charge 就是正式告訴銀行：「這一筆是錯的。」銀行在查的時候，通常你不用付這筆錢。不過規定要看銀行，所以要問清楚。

So you can say, “I’d like to dispute this charge.” And a good follow-up is, “Will I get my money back?” Both are short and polite. Banks hear them every day, so don’t feel shy about asking.所以你可以說：「I’d like to dispute this charge.」接著可以再問：「Will I get my money back?」兩句都很短又有禮貌。銀行每天都在聽這些，所以別不好意思開口問。

Now Grace has a new problem. She says, “Thank you. But I’m traveling for two more weeks. How do I pay for things?” With a frozen card, a trip can get tricky fast. Good question from her.現在 Grace 有新的問題了。她說：「Thank you. But I’m traveling for two more weeks. How do I pay for things?」卡被凍結的話，旅行很快就會變得麻煩。她問得很好。

And Daniel says, “We can send a replacement card to your hotel. It takes three to five business days.” A replacement card is just a new card that takes the place of the old one.Daniel 說：「We can send a replacement card to your hotel. It takes three to five business days.」replacement card 就是用來取代舊卡的新卡。

What about business days? That’s Monday to Friday. No weekends, no holidays. So if you call on a Friday, the weekend adds two extra days. Three to five business days can easily take a full week.那 business days 呢？就是週一到週五，不含週末和國定假日。所以如果你是週五打電話，週末那兩天要另外算。三到五個工作天，很可能要整整一週。

You can ask these yourself, too. “Can you send the new card to my hotel?” And then, “How long will it take?” Those two questions work on almost any trip, so they’re great to memorize.這兩句你也可以自己問。「Can you send the new card to my hotel?」然後是「How long will it take?」這兩句幾乎每趟旅行都用得到，很值得背起來。

Grace finishes with, “That’s perfect. Please send it to my hotel. Thanks for your help.” Calm, short, and polite. That’s all you need. So the whole plan is: say what happened, freeze the card, then dispute the charge.Grace 最後說：「That’s perfect. Please send it to my hotel. Thanks for your help.」冷靜、簡短又有禮貌，這樣就夠了。整個流程就是：說出發生什麼事、凍結卡片、再申訴那筆消費。

And remember the key swap. Card still with you? Use “Someone used my card number.” See a strange charge? Use “There’s a charge I don’t recognize.” Those two lines will help you in almost any bank call.還有最重要的替換。卡還在身上？就說「Someone used my card number.」看到奇怪的消費？就說「There’s a charge I don’t recognize.」這兩句幾乎在任何銀行電話裡都幫得上忙。

Okay, you’ve got every piece now, so the conversation will sound different to your ears. We’ll play the whole thing again, start to finish, with no breaks and no talking from us.好，現在每個部分你都學到了，所以這段對話聽起來會不太一樣。我們會從頭到尾完整播放一次，中間不打斷，我們也不插話。

Ready, everyone? Okay, here we go. Let’s listen.大家準備好了嗎？好，我們開始聽吧。

🔁 [DIALOGUE REPLAY] 重播情境對話

Did you hear it? Grace still says “my credit card was stolen” at the start, but now you know a better way to say it.你有聽出來嗎？Grace 一開始還是說了「my credit card was stolen」，但現在你知道有更好的說法了。

Tell us in the comments: what would you say to your bank? Write one English sentence, and we’ll check it. Follow MJ English for more everyday English.請在留言告訴我們：你會怎麼跟銀行說？用英文寫一句，我們幫你看看。追蹤 MJ English，學更多日常英文。

Thanks for listening today, and have a safe trip!謝謝你今天收聽，祝你旅途平安！

See you in the next episode, my friends!下一集見囉，朋友們！