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Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card. After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder. On the card face of a credit card, there are at least the following information: front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, card number, English or pinyin name, activation date (generally calculated to month) and validity period (generally calculated to month). Chip account and card magnetic stripe account are two relatively independent accounts. Back: the magnetic stripe of the card, the cardholder's signature column (which must be signed after activation), the service hotline, the four or all digits after the card number (to prevent fraudulent use), and the credit card security code (the three digits immediately after the signature column on the back of the credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ).
From the cardholder's point of view, online payment is considered to be one of the most risky payment methods for credit cards, because malicious people may steal user information by means of phishing, eavesdropping on network information, impersonating payment gateway and so on. When paying online, you need to enter the card number, the validity period of the credit card, the Visa CVV2/MasterCard CVC2/ UnionPay CVN2 numbers next to the signature column on the back of the card, the online transaction password, and sometimes you need to enter the name and the verification code randomly generated by the webpage. After the input is completed, click Submit to complete the online payment. With the development of the Internet, the security of online payment and credit card payment has gradually improved, which has also blown up the trend of online consumption. Pre-authorization is generally used to pay a deposit, that is, to freeze the available amount of a part of a credit card as a deposit.