As people's living standards gradually improve, shopping, going abroad, online shopping and other trends are sweeping across the country. Banks also take this opportunity to launch many preferential activities, but with this comes the need to swipe bank cards. Security risks, especially credit card theft, are increasing, and most of them occur overseas. Case: Netizen Xiao Liu had a Bank of China international credit card that he had not used for a year. He wanted to call the bank to cancel the card, so he called the customer service number to inquire about canceling the card. However, he was told that the card had a EUR in Europe on the day of this year. Xiao Liu was very surprised about the arrears record of card consumption in a four-star hotel. I have never been to Europe and I have never lost my card. How could it be possible that it was debited? The customer service told me that the card had been stolen, but fines and late payment fees had been incurred because I had not paid back. This made Xiao Liu very upset. Faced with this, Xiao Liu said that he took good care of his credit card and did not do anything in the process. It is lost or stolen for no reason, which makes people confused. However, the bank cannot guarantee the security of the credit card and puts all the responsibility on the cardholder. A series of inactions afterwards is an extremely irresponsible behavior. The cardholder only You can consider yourself unlucky and what's more, the customer service attitude is unsatisfactory. The police remind: Avoid swiping cards at small merchants. “Large shopping malls, hotels, and airports are generally fine, but you should avoid using credit cards when making purchases at small merchants.” A travel expert said that based on his own experience, you must be careful with merchants when swiping your card. Be selective, "not just in Southeast Asia, it's the same everywhere." ●Protect the last three digits of your credit card The last three digits on the back of your credit card (the three numbers immediately following the card number) are the "second password" of your credit card. Because the last three digits can prevent the card from being "cloned", criminals can peek and obtain the credit card account information and copy the card. Without the last three digits, even if the password is known, the ATM or POS machine will reject the withdrawal or consumption. Many cardholders suggest using tape to cover the last three digits. ●Keep your credit card out of sight. When using a credit card, be sure not to hand it over to someone else to swipe it on your behalf, and do not give your credit card to a clerk for checkout. Prevent people with "ulterior motives" from taking the opportunity to obtain relevant information on credit cards. In short, don’t keep credit cards out of your sight. ●Cards and ID cards are issued separately. Cardholders should pay attention to storing their ID cards and cards separately to avoid losing their credit card and ID card at the same time and causing them to be stolen. ●Enable SMS reminder service. Cardholders can set SMS reminders for consumption amounts on their credit cards. They can be notified of changes in the amount in the card at the first time, and call the bank immediately if there is any abnormality. It should be noted that you must correctly reserve your mobile phone number when applying for a credit card. If your mobile phone number changes, you should also call the bank's customer service hotline to update it in time. ●Replace the card after receiving the notification. Relevant people at the CCB Credit Card Center said that for cards that have been swiped at high-risk merchants and may have risks of information leakage, CCB will remind the holders through phone calls or text messages after receiving risk reminders from credit card organizations. Cardholders and provide free card replacement service. Therefore, in order to ensure the security of account information, cardholders should actively cooperate if they receive a call from the bank or a card replacement text message. ●Purchase insurance for credit cards. It is understood that some insurance companies have included the losses caused by the loss or theft of credit cards when used overseas in travel accident insurance. Once a similar situation occurs, the insured can apply for compensation from the insurance company, such as Many overseas travel accident insurance products of American Asia Insurance include credit card fraud protection. However, once you encounter fraud, you must report it to the police or other relevant authorities within 24 hours, obtain relevant written proof, and notify the issuer of the loss to ensure that the claim is successfully completed. ●Use fee-free debit cards. Netizen "Buji-Xiaolong" suggested that when traveling overseas, try to use UnionPay debit cards. For example, debit cards from banks such as Ping An Bank and Hua Xia Bank can also waive the formalities when withdrawing cash overseas. fee. Cardholders may wish to apply for a few more cards and keep them separately, at least to spread the risk. ●Remember that "there is a problem if you have to "enter the password" when entering the self-service bank." When you need to swipe your card to enter the self-service bank, under normal circumstances, the bank door will open automatically after swiping your card, but if you are asked to " If you have to enter your password to enter, there is a problem - criminals have put a bank card duplicator on the card swipe machine at the bank entrance. If you enter your password as required, the duplicator will record your card number and password. Therefore, you should keep one thing in mind: you do not need to enter your bank card password to enter the self-service bank's access control system.

●Set consumption limits to reduce losses if something goes wrong ●Don’t easily disclose personal information to unfamiliar people ●Protect credit card receipts so that if there are any questions, you have proof ●Be sure to strengthen the management of sleep cards Unnecessary or unopened credit cards Log out in time to avoid unnecessary losses