"Since I set up a credit card (debit card), I have often received phone calls and text messages from banks to promote wealth management products." Miss He, a citizen of Changsha, told Red Net that she had a credit card (debit card) in a bank in Changsha last year. After receiving a credit card (debit card) and activating it, Miss He receives phone calls and text messages from banks recommending wealth management products almost every week. "When I do a credit card (debit card), I only contact people in the credit card (credit card) department of the bank. Why do people in the financial management department know my contact information? " Miss He was puzzled.
Many citizens said in an interview that it is impossible to prevent the personal identity information of cardholders from being leaked. According to the survey of silver rate. Com, there are two main situations in which banks disclose cardholder information. One is the information leakage when a branch or sub-branch submits an application form for card handling, and the other is the information leakage between card handlers.
On June 5438+05, Xiao Min, the Credit Card Promotion Department of Changsha Branch of China Merchants Bank, said in an interview that China Merchants Bank had docked its credit card information system with the public security information system. The teller of China Merchants Bank's credit card (debit card) cannot change and view the customer information after entering and confirming. As a card manager, Xiao Min didn't keep any customers' phone numbers in her mobile phone. "We are not allowed to keep customers' personally identifiable information privately, and we will regularly check the mobile phone address book and WeChat circle of friends. "
Another staff member of Bank of Communications said that when recruiting card handlers, Bank of Communications should not only conduct certain investigations, but also often run team building for credit card (debit card) departments and publicize relevant laws, regulations and corporate culture. The staff reminded the public that when handling credit cards (debit cards), they should not blindly pursue high quotas, but should choose banks with stable personnel and high credibility.
Hua Ming, an analyst in Yinlv.com, believes that in order to completely eliminate the disclosure of personal identity information of credit card (debit card) applicants, banks need to improve their own management system, and must not use the applicant's information for other business sales of the bank without the permission of the credit card (credit card) applicant, and at the same time, employees who disclose the applicant's information should be severely punished.
For credit card (debit card) applicants, in order to reduce the risk of personal identity information leaking funds, Huaming believes that the most important thing is to reduce the application process. It is best to submit your application information directly to the credit card (credit card) center of the issuing bank through the bank official website instead of the card clerk or the counter, which greatly reduces the applicant's information on the one hand, and reduces the retention of paper information on the other hand, which can better protect the personal identity information of the applicant.