Recently, a friend asked me about the security of my credit card. He said that he had been using the card for many years and had set a payment password on the credit card. He felt that it was very safe, but an overseas shopping experience some time ago made him feel... Your own credit card is not that safe.
When shopping overseas, I chose the quick payment method, filled in my credit card number, validity period, the last three digits on the back of the card and the mobile phone number reserved by the bank, and then sent a text message verification code and filled in the Immediately after completing the verification code, I received a text message prompting that the credit card consumption was successful. This little friend was confused for a moment. I haven't entered the password yet. How come the payment was successful?
The main thing here is the security code on the back of the credit card, which is the last three digits on the back of the card. These three digits are generated by the encoding rules and encryption algorithm of the issuing bank and can be used to verify the identity of the cardholder. , during the payment process, as long as these three digits are provided to the merchant, the bank will default that the merchant has obtained the cardholder's authorization, so the transaction is allowed. And some don't even need to enter the expiration date. You can complete the transaction by directly entering the card number and security code.
How about it? Do you suddenly feel that your credit card is no longer so safe? So what should we do to protect our credit cards and avoid fraud?
1. You should be careful about your credit card when swiping it
When checking out, many friends, especially men, pretend to be cool and throw the card to the waiter, and then ignore it. In fact, this approach is silly and doesn’t look that cool. We should not let our credit card out of sight. After swiping the card, we should carefully check whether the amount on the purchase form is the same as the consumption amount. After getting the card back, we should confirm whether it is our own card.
2. Cover your password when entering it
Although there are many good people in the world, there are always a few bad people. When entering the password, try to cover it as much as possible to prevent people around you from peeking. The more crowded the place, the more likely this will happen. If the password is seen by others or the card is lost, the possibility of the credit card being stolen increases. The easier it is to happen.
3. Never lend out credit cards
Never lend out your wife, car or credit card.
4. Do not click on SMS links at will
Nowadays, fraudulent SMS messages are becoming more and more rampant, and some even imitate the names of banks and send SMS messages containing website links to redeem points or adjust quotas. , if you click on these links, it is very likely that your credit card will be swiped.
5. Confirm the bank’s customer service phone number
There is the bank’s customer service phone number on the back of the credit card. If you have any questions and need consultation, you can directly call the phone number on the back of the card. There is no need to check online. It is very convenient. It's possible that what you found was a fake phone number left by a scammer.
6. Do not scan unfamiliar QR codes or click on unfamiliar pictures and links at will
In today's technological advancement, scammers' theft methods are also upgrading step by step. Especially when using various social software, you will see a large number of links sent by others that are tempting to click. If you click on them, it is very likely that your social account will be stolen, and the bank card bound to it will also be stolen. Stolen.
Any other scams, please leave a message to discuss.