Now most credit cards already support password consumption. According to the relevant regulations of the bank, the consumption completed by password is regarded as the cardholder's own transaction, but often the cardholder takes his birthday, ID number, credit card number and six identical or consecutive numbers as the password after getting the card. I didn't know that such a password was easy to remember, but it was also easy to decipher. Passwords exist in name only, giving criminals an opportunity.
The second measure: report the loss of the card in time.
Nowadays, people's wallets are more and more full of ID cards, credit cards, cash and business cards. If the wallet is lost, it will undoubtedly bring great security risks to personal data and credit card funds. Therefore, after the card is lost, the cardholder should immediately contact the bank and apply for the loss report of the credit card. After the loss report takes effect, all the responsibilities for card theft shall be borne by the bank.
The third measure: it is very important to choose a business.
When shopping, cardholders should not only carefully select goods, but also pay attention to the identification and selection of merchants. Try not to go to some informal, unfamiliar, poor social security environment, illegal cash merchants to swipe their cards. These places are often mixed, and some businesses may collude with criminals for petty profits. When you shop with a credit card, in addition to doing normal consumption transactions for you, you also steal the magnetic stripe information of the credit card through special instruments, and "clone" the credit card and steal it for fraud. Therefore, in the process of credit card consumption, try not to let your credit card leave your sight.
The fourth measure: use credit cards skillfully to ensure safety.
In order to protect the cardholder's card safety to the greatest extent, the bank has launched some security services. For example, some banks provide credit card holders with "five-fold security" including signature/password selection, SMS consumption reminder, "24-hour abnormal consumption monitoring" service, detailed consumption email notification and complete card loss protection. This practice of the bank strives to ensure that the whole process from card handling to card opening and card use is more perfect, and it is easy to enjoy the convenience and speed brought by credit card, a new financial payment tool. Therefore, it is recommended that cardholders fully understand these services.
The fifth measure: pay attention to the use of ATM.
In order to prevent the credit card from being copied, it is suggested that the cardholder should first pay attention to protecting the account information and password, especially when using ATM to deposit and withdraw money, and pay more attention to whether there are redundant devices around the ATM and whether the card slot has been modified. If you find that the ATM machine is suspected of being artificially modified, or there are suspicious strangers next to it, you should stop using it immediately.
At the same time, it is even more distrustful to see emergency notices posted outside the ATM asking the cardholder to provide password and account information, such as "ATM machine failure" or "ATM machine upgrade". Because the notice issued by the bank will generally only be conveyed to the cardholder through the ATM electronic display screen. Once the notice is posted outside the ATM, you should contact the issuing bank as soon as possible to verify the information. In addition, if you encounter card swallowing, cash withdrawal failure, etc. Don't leave easily when using ATM. Cardholders can dial the service number displayed on the ATM screen or directly call the customer service hotline for help. Be sure to retrieve the card after the transaction and exit the trading system before leaving.