Is it safe to enter passwords directly into third-party credit card management software? 51. Is the use of Credit Card Manager safe and personal privacy protection fully guaranteed? What's the performance behind that job?

Question 1: Signing a contract with a bank: risks cannot be avoided

When opening the software, users have two registration methods: online banking registration and email registration. In order not to disclose their bank number and For the online banking password, Mr. Yan used the email registration method. However, once the email is registered, the software can automatically import electronic bills. He is a little uneasy because he always pays attention to personal information. It doesn't matter if the email is stolen. If the personal information on the bill What should I do if it’s leaked?

The user agreement in the software shows that the software is actually a self-research software of Hangzhou Enniu Network Technology Co., Ltd., used to organize important documents collected from bank card information under registered accounts. At the same time, the company The website states that as of July 2014, the cumulative downloads of the APP have exceeded 30 million, and the number of credit cards managed has exceeded 16 million.

Question 2: You can view personal application records. Recruitment Center: It is recommended not to use

Open 51 Credit Card Manager, click on the application report in the service, enter your name and ID number to complete the account registration, and then you can check your application record. This function looks very attractive. However, this record can Trust? Can the personal information being queried be protected by this steward?

Information from the homepage of the Recruitment Center of the People's Bank of China shows that there are currently two inquiry methods supported for credit record inquiries. One is that more than 2,100 branches of the People's Bank of China across the country can inquire on-site, and the other is that this year At the end of May, 18 provinces (municipalities and autonomous regions) including Beijing have been included in the trial, which can be queried on the service platform on the homepage of the recruitment center.

Question 3: CFCA safety certification CFCA: ??only cooperation but no certification< /p>

We are certified by the China Financial Certification Center for safe use. In order to eliminate doubts, employees of the software development company left this certification agency. The company’s official website also stated that the company has passed the security certification of the China Financial Certification Center. Reached a server management agreement with the China Financial Certification Center to serve users with bank-level information security. However, this statement was denied by the China Financial Certification Center. We did cooperate with 51 Credit Card Manager before, but did not conduct any certification on this product. China Financial Certification The staff of the center said that not only that, when asked to produce the relevant agreement and certification certificate signed with the bank, the relevant person in charge did not produce it.

In the eyes of industry insiders, this self-proclaimed safe housekeeper has many Doubts, credit card users should treat with caution. According to the staff of the Industrial and Commercial Bank of China, only the registration password is entered in the software, and the second level of U-shield and electronic cipher is required during the transfer process, but without U-shield and electronic password In the case of a device, you can complete the operation of purchasing precious metals, etc.