What is credit card skimming?

Bank card skimming means that the cardholder’s bank card is fraudulently used to collect money. Bank card skimming can be divided into the following three types: Scenarios:

1. Internet fraud: The relevant information of the user's bank card is stolen by others, and then the user's payment password is defrauded in various ways, thereby stealing funds;

2 . Counterfeit card fraud: When a user uses a bank card to shop, someone else peeks at their card information and password, leading to fraud;

3. Stolen card fraud: The user's bank card is stolen or picked up by others. and steal the funds from the card.

How to deal with bank card theft:

1. After the cardholder discovers the loss of funds, he needs to call the bank’s customer service hotline in time to report the loss;

2 . Cardholders can bring their ID cards to the bank to inquire about the time and location of the fraudulent use, as well as the payee's information. Cardholders can also go to automatic deposit and withdrawal machines to check the flow of bank card funds;

3. Cardholders can report the case to the public security organs with their ID cards, stolen slips and other evidence, and negotiate with banks or third-party payment institutions with the evidence of the report.

According to the person in charge of the Second Civil Tribunal of the Supreme Court, bank card fraud transactions are divided into two types: counterfeit card fraud transactions and bank card online fraud transactions. Article 15 of the "Regulations" defines the two types of fraud transactions. Brush types are defined. The main difference between counterfeit card fraud transactions and online fraud transactions is whether others use counterfeit bank cards to conduct transactions. Counterfeit card fraud transactions focus on others swiping forged bank cards to conduct transactions; the characteristic of online fraud transactions is that fraudsters do not use counterfeit bank cards to swipe cards for transactions. In terms of the burden of proof, Article 4 of the "Regulations" stipulates that the cardholder claims that the disputed transaction is a counterfeit card fraud transaction or an online fraud transaction based on the principle of distribution of the burden of proof of "whoever makes the claim shall provide evidence" and "whoever possesses the evidence shall provide evidence" It can be proved by providing valid legal documents, the location of the real card at the time of the bank card transaction, the place where the transaction was performed, account transaction details, transaction notifications, alarm records, loss report records and other evidence materials. If the card issuing bank or non-bank payment institution claims that the disputed transaction is the cardholder's personal transaction or its authorized transaction, it shall bear the burden of proof.

What’s going on with credit card fraud? What should I do if my credit card is fraudulently used?

Nowadays, you can often see people using credit cards in life, and credit card consumption has become the main way for people to shop and consume. But when people use credit cards on a daily basis, credit card fraud sometimes occurs. So what happened to credit card fraud? What should I do if my credit card is fraudulently used? Let me answer it for you today.

What’s going on with credit card fraud?

Credit card skimming is when someone steals your credit card or steals your credit card information to conduct transactions through your credit card.

It may be that your credit card was lost, found by someone else, and the password was tried out, thereby being stolen; it may also be that someone learned your credit card information and password through illegal means, and the credit card was stolen. ; Or someone has stolen your credit card.

What are the consequences of credit card fraud?

If your credit card is stolen, your credit card will most likely be maxed out, resulting in a malicious overdraft. There is also a chance that someone will take the opportunity to withdraw cash. These are likely to affect your personal credit, and may also cause your credit card to be risk controlled by the bank.

What should I do if my credit card is fraudulently used?

If you find that your credit card has been stolen, you should report the loss to the bank as soon as possible to avoid further losses.

If your credit card is stolen but is still stolen, in order to prove that your credit card has been stolen, you have to use your credit card to make a transaction and obtain a ticket for good proof. The credit card is in your hand.

If credit card fraud is serious, you should call the police and let the police file a case to avoid more serious consequences.

How to avoid credit card fraud?

The reason why your credit card is stolen is because your credit card security is not enough. Therefore, in order to avoid your credit card being stolen, you should do the following two things:

1 .Do not set the credit card transaction password too simple, especially if it is not a birthday, so as not to be tried out by others;

2. In addition to being able to apply for a card at the bank, there are many sales promotions. Try not to apply for cards at institutions or dedicated personnel with more discounts. This can easily reveal your identity information and lead to your credit card being stolen.

The above is the answer to "What is the matter with credit card fraud? What should I do if my credit card is fraudulently used?" Credit card fraud is a serious matter. When you use your credit card, you should pay more attention to protect your credit card information to avoid fraud.

What is the principle of credit card skimming?

The principle of credit card skimming is that someone else steals your credit card or your credit card information, and then conducts transactions through your credit card. Or obtain your credit card's magnetic stripe information, create a new credit card, and then use the card swiping device to make purchases. There are many ways to obtain credit card magnetic stripe information. For example, when you make a purchase, someone uses a card reader to read the information, or when you pay online, the information is stolen. Today's magnetic cards are easy to read and write if stolen.

The reasons for credit card swiping may be that the credit card is lost and swiped, or it may be caused by the leakage of credit card information, or someone may have stolen your credit card. The cardholder does not need to repay the debt due to credit card fraud. Under normal circumstances, the debt owed by credit card fraud is borne by the perpetrator, and the public security organs will recover the stolen money. Therefore, when encountering credit card fraud, cardholders must report the case in time to avoid greater losses.

How credit cards are stolen.

1. The card is swiped

When swiping a credit card, the payee needs to perform a "swipe" action on the card swiping machine. And some people may take advantage of this time to use a machine similar to a credit card machine to steal your card. When you enter your password, it may have been monitored. In this way, after the other party issues a new card and knows your password, they can steal your credit card.

2. The number on the back of the card is leaked

There are 7 digits on the back of the credit card, which are the 7 digits on the magnetic strip. The last three digits of this 7-digit number are also called CVV2. Some online payments only require these 7 digits or CVV2, plus the validity period of the card to make the payment. Therefore, if the number on the back of the card is leaked or peeked by someone when using the card, they will use this method to steal your credit card.

3. Enable password-free payment

If you are a person who often uses credit cards, you like to pay with credit cards no matter how large or small. For example, when you go to the supermarket to buy hundreds of items quickly and use a credit card, for convenience, you may enable PIN-free payment for small or large amounts. We know that in addition to magnetic stripe cards, credit cards also have chip cards. Chip cards do not need to be swiped in the card slot of the card swipe machine like magnetic stripe cards. Instead, they can be placed directly on the card swipe machine and the payment will be made, just like usual. Just like a subway card, you can pay with just one tap without entering a password. And some people will take advantage of this convenience and bring some kind of machine to rub against you in a crowd, or when you are crowded in the subway or bus, so that you can steal your credit card.

4. Bind with WeChat or Alipay

As popular as credit cards, there are WeChat payment and Alipay payment. For convenience, most people bind their credit cards to Alipay or WeChat. We also know that surveillance is installed in many places. If someone accidentally peeks into your WeChat or Alipay password when paying, they can log in to your WeChat or Alipay and steal your credit card.

5. Clicked on the link with the virus

Everyone knows that Internet red envelopes are red envelopes sent through the Internet. After you click on them, you can receive the payment from the other party.

In addition to sending red envelopes to friends, you can also send red envelopes to strangers in QQ groups and WeChat groups. Of course, strangers can also send red envelopes to you. And some people will take advantage of the pie-in-the-sky thing to send you red envelopes or links to get money. After you click on these links, the other party may install viruses on your phone or computer and steal your passwords. Wait, so that your credit card can be stolen.

6. The verification code was leaked

When we consume online, there is a consumption method called quick payment. You do not need to log in to WeChat or Alipay. Enter the last 6 digits, and then Enter the password verification code and you can pay immediately. Because the password of a credit card is 6 digits, some people may set the password to birthday, mobile phone number, etc. for convenience. These passwords can be easily deciphered. Once the password is cracked, only the verification code is left. If you inform someone of the verification code online or over the phone, the other party can steal your credit card.

7. The mobile phone has been used by others

Sometimes, we will meet friends or strangers who say to you: The phone is out of battery, the phone is missing, I can borrow your phone to make a call. one time. After you lent your phone, you didn't stare at the other person all the time. This kind of embarrassment may be taken advantage of by some people. He can get your verification code through the mobile phone, or use your Alipay or WeChat to pay directly. After using it, delete the payment records and text messages. Just like that, your credit card was stolen without you being prepared.

8. Mobile phone or mobile phone number is stolen

Nowadays, mobile phone number is like people’s ID card, which is becoming more and more important. This is because a mobile phone number is not only a tool for people to communicate with each other, but more often than not, it is because the mobile phone number is bound to a bank card. Through the mobile phone number, you can modify the password of the bound bank card, and you can also make various modifications to the bound login account. It can be said that the mobile phone number is the master key to funds. Therefore, if the mobile phone or mobile phone number is stolen, some people will unbind your mobile phone number, or intercept your verification code directly through your mobile phone. With the verification code, Then you can steal your credit card.

How to prevent credit card fraud? Start from three aspects

Nowadays, many credit card fraud incidents are caused by criminals using stolen credit card information to make counterfeit cards. For merchants, if the counterfeit cards are not identified, they need to Bear the cardholder's losses due to theft. The following will teach you how to prevent counterfeit card theft from several aspects.

1. Look at the card:

When the customer provides a credit card, you can identify whether it is a counterfeit card based on the card's validity period, beginning, etc.

As for the validity period, the general format is "MM/YY", that is, "month/year". Just look for the number with "/" on the front of the card. If the format is wrong, or the validity period If you pass, it must be a counterfeit card; on the other hand, the UnionPay cards that can be swiped at domestic POS machines are all UnionPay cards starting with 62. If you encounter any other numbers starting with 5, 3 or 4, etc., it is definitely a counterfeit card.

2. Look at the signature column:

If the cardholder’s signature is required after swiping the card, be sure to check whether the signature behind the signature column is consistent with the signature on the shopping list. If so, If there is no signature in the signature column, or the reserved signature is unclear or has been altered, or it does not match the signature on the shopping list, you must call the card issuing bank to confirm. If the transaction is a counterfeit card, you can apply to the card issuing bank for cancellation.

3. Check the POS receipt after swiping the card

After swiping the card, check the information on the credit card with the information on the POS receipt, mainly to see if the card issuer, credit card, etc. are consistent. . For example, if the issuing bank on the credit card is Industrial and Commercial Bank of China, but the bank on the POS machine shows China Merchants Bank, or if the credit card and the bank on the POS machine do not match, there is no doubt that it is a counterfeit card.

The above is the relevant introduction on "How to prevent counterfeit credit card theft". I hope it will be helpful to everyone. In short, the key to preventing counterfeit credit card theft is to identify the counterfeit card as soon as possible. Otherwise, once a counterfeit card is used for a transaction, the merchant will have to take the blame for the criminals.

What should you do if your credit card is stolen? It turns out that the first step should be like this...

Nowadays, credit card and credit card theft incidents are becoming more and more frequent, not only domestically, but also when traveling abroad. So if the credit card is really stolen, A brushing incident has occurred to you, do you know what to do? How to deal with credit card theft? It turns out that the first step in the case of credit card fraud should be this summary

How to use credit cards more safely? How to prevent it

The first step: Confirm whether the sender is a bank customer service

Generally, we will activate the SMS reminder function for credit card consumption. When the mobile phone receives a text message for non-personal consumption, Don’t panic; you should first check whether the sender is a bank customer service. If it is a link from an unknown text message pretending to be a bank customer service, do not click on it to avoid falling into the SMS trap. Nowadays, after installing dial-up software on smart phones, it will automatically identify the bank customer service number, which is much more convenient.

Step 2: Record the information

After receiving the text message, you can record the consumption amount, consumption organization, consumption purpose and other information in the text message. You can take a screenshot and save it, or you can write it down separately. , will be used later.

Step 3: Prove the location of the card

If the card was stolen while it was in your own hand, you should first keep the card if conditions permit. The evidence of fraud is applicable to online fraud, card fraud, etc. For example, you can immediately find a place to swipe your card to make a purchase, or you can check or withdraw cash through an ATM machine, or you can also make purchases at a convenience store. It is important to keep the consumption receipt to prove that the credit card is in your hand, and to keep evidence to prove that the previous credit card consumption behavior in another place was not yours.

Step 4: Freeze the credit card

If the credit card is stolen due to reasons such as loss of the credit card, and it was not stolen in your own hands, inform the credit card that it has been stolen and ask for freezing. credit card to prevent further losses and record the responses and guidance given by the bank regarding the situation.

Step 5: Call the police and keep the alarm receipt

After completing these things, dial 110 to call the police. Don’t blindly call the police at the beginning, otherwise you will not know anything. Usually 110 will Cardholders are required to go to the public security bureau near the bank where the credit card was issued to file a case for investigation, or call the police at the nearest police station. The most important thing after calling the police is to ask for the alarm receipt and other documents so that they can be submitted during future bank investigations. The alarm receipt is very important!

Step 6: Contact the merchant to stop the transaction

After receiving a fraudulent report, the bank usually does not resolve it immediately and usually responds to the cardholder within five working days. During this period Banks do not necessarily take actions such as stopping transactions to consumer institutions. In order to reduce your own losses, while waiting for the bank's response and action, you should actively contact the merchants involved in the fraud to stop the transactions and recover the money from the merchants to the maximum extent possible.

Since the investigation cycle of fraudulent fraud is uncertain, the amount stolen should still be paid in advance before the liability for fraud is determined. Otherwise, it may cause overdue repayment, which will cause more trouble to the credit record.

To summarize, the most important thing about credit card security is to protect your credit card information and identity information. Once it is stolen, you must stay calm and calm. You do not need to call the police immediately. You also need to know more about it. Knowledge on preventing credit card theft, just in case.

That’s it for the introduction on how to steal credit cards.