Friends must have seen such a video some time ago, that is, a person took a POS machine with NFC near-field payment to the parking lot to swipe the ETC credit card (debit card) of other car owners. money in it. The security issue of chip card close-range payment caused by this video has caused heated discussion among many netizens. In fact, regarding this issue of near-field payment, there was a joke like this: If someone took off the bus acceptance equipment and put it in his backpack, and walked along the subway or a crowded place on the bus, would it be OK? Is the money in these people’s bus cards taken away by embedding? Let's not talk about whether the money can be transferred to his account after the bus acceptance equipment is swiped. This behavior is actually equivalent to "non-contact" POS. The topic I want to talk about today is to learn how to protect the safety of your credit card (debit card) funds. Let’s read on.

Using a credit card (credit card) requires more protection than a debit card. If your credit card (debit card) has a large consumption limit, once it is stolen or overdue, it will affect your Personal credit rating affects buying a house, opening an account, going abroad, buying air tickets and train tickets in the future, etc.

1. After receiving the credit card (credit card), you need to sign your name in the signature area on the back of the card. In this way, once your credit card (debit card) is stolen and the bad guy uses your card to make purchases, the cashier can refuse to swipe the card if the signature does not match. If fraud occurs later, even if it is not your signature, you can avoid liability.

2. Some credit cards (debit cards) are password-free by default for POS transactions, so it is best to set the phone banking setting to require a password when swiping the card. If you have a good memory, changing the password regularly is the best policy.

3. The last three digits on the back of a credit card (credit card) are the CVV (also called CNV, CVV2) code, which is very important. The CVV code is more important than the bank card password. In online shopping, you can make purchases without using a password and just use the card number, expiration date, and CVV. Therefore, the Card God Group recommends friends to use stickers to paste the CVV code, or tear off these three numbers and copy them. In my own little notebook.

4. Do not take pictures of the front and back of your credit card (debit card) to show others, and try not to use your credit card (debit card) to collect payments from outside. Once you have the information on your credit card (debit card) If it leaks, it can easily be stolen by others.

5. Be sure to activate SMS notifications for credit cards (debit cards). Once a transaction occurs, you will be notified immediately. If you find that the transaction is not yours, call the bank as soon as possible to freeze/report the loss of this transaction. Card.

So what are the important roles of CVV ??and CVV2 codes? Because in different transaction scenarios, CVV and CVV2 codes are as important as passwords.

That is, run "swipe card" at POS/ATM terminals and sign for authorization (purchase order) to complete the transaction. In this case, terminals such as POS machines need to read the card number, CVV1 and other information in the magnetic track, and the cardholder enters the password to complete the transaction. It can be said that CVV1 is an important mark used by the card issuer to verify the authenticity of the card.

Generally also called "non-magnetic and non-secret transactions". It is generally used in real-name industries such as hotels and air travel. It provides credit card (debit card) card number, CVV2, validity period, cardholder name, ID number and other information to complete the transaction.

Summary: Many friends will ask, is it better to apply for one credit card (credit card) or apply for several more? I suggest that friends look at the question of whether to have one credit card (credit card) or multiple credit cards in this way. The purpose of a credit card (credit card) depends on the purpose of the cardholder. If you have entrepreneurial needs or business capital turnover, it is better to apply for more credit cards (credit cards). After all, the turnover fees of credit cards (credit cards) are much lower than those of various loans. If it is for normal consumption, a credit card (credit card) is enough for the cardholder to use. Here I would like to remind those friends who regard credit cards (debit cards) as a tool for chopping things off. The reason why a credit card (debit card) determines whether a person becomes a card slave or not lies with the cardholder. Only the card holder can use the card normally and reasonably. Only by using cards scientifically can you bring out the maximum value of your credit card (credit card). If you blindly use credit cards (debit cards) as a tool for pleasure and overdraft, then what awaits you is an endless quagmire of debt. Statement: The article comes from the Internet and is only for netizens to learn and communicate. If there is any infringement, please contact us to delete it.