How can a credit card be stolen in my hand?

after criminals steal the relevant information of the credit card, even if the card is still in the user's hand, criminals can steal it. The main reasons for the stolen credit card are someone else's ID card used when handling the card, the information of the credit card stolen by criminals, and the cardholder's careless disclosure of the password. It is best for users to replace magnetic stripe cards with chip cards to improve the security of credit cards.

at the same time, close the small secret-free payment, and try to enter the password every time you consume, so that even if the card is dropped, you need to enter the password before you can consume it.

how to fill in the information when you apply for a card to protect your personal information

1. fill in my usual number on the application form

the mobile phone is the main tool to activate the credit card and set the credit card password.

the bank will also send short messages related to credit cards to the mobile phone numbers reserved by customers. If someone else's mobile phone or company group number is filled in the application form, it will leave a hidden danger. Once other people get the card, they can activate and use it, and they can also grasp the card situation in real time through SMS and handle all kinds of voice self-service services through the mobile phone number, which leads to the risk of card information leakage and card theft. It seems a good habit to keep your mobile phone with you at all times.

2. Fill in my usual address at the mailing address

The credit card letter includes highly confidential information such as the credit card, the expiration date, the verification code on the back of the card, and the credit limit.

if the mailing address is not my usual address, and the card is intercepted or impersonated by others, the direct consequence of card information leakage is that it is stolen; After bidding for the card, pay attention to official website's real-time inquiry about the progress of card handling and card mailing to prevent others from taking the initiative; Also remember to fill in your personal email address and try to avoid filling in your work email address.

3. Beware of "boss" digging holes for you

At present, the youth group has become the main customer group of credit cards, who is really embarrassed to go out and play without a credit card! Young second-generation people seem to keep up with the trend of the times, but they really lack social experience and are easily deceived. When you first joined the company, the "boss" told you that you had business dealings with the bank, and insisted that you fill out a credit card application form, use the company's office mobile phone as a reserved mobile phone number, and even take a photo of your application form as a souvenir. Jiao Jiao reminds you that this is very unscientific, please SAYNO! Otherwise, the stolen brush is in sight.

4. The purpose is indicated on the copy

When you apply for a card, it is inevitable to submit a copy of your ID card and a copy of your work permit. However, there are people staring at them. Jiao Jiao has to tell you that when providing a copy of personal ID card to apply for a credit card, it is recommended to indicate the purpose of use on the copy, such as "only for applying for a Bank of Communications credit card" to prevent the copy of ID card from being used for other purposes.

What is the principle of credit card theft

The principle of credit card theft is that others steal your credit card or your credit card information and then make transactions through your credit card. Or get the magnetic stripe information of your credit card, and make a new credit card so that you can spend it through the credit card device. There are many ways to obtain credit card magnetic stripe information, for example, when you spend money, someone reads the information with a card reader, or when you pay online, the information is stolen. Nowadays, it is easy to read and write stolen magnetic cards.

the reason why the credit card was stolen may be that the credit card was stolen after it was lost, or that the credit card information was leaked, or that someone stole your credit card to steal it. The cardholder does not need to repay the arrears caused by the stolen credit card. Under normal circumstances, the borrower shall bear the credit card stolen, and the public security organ shall recover the stolen credit card. Therefore, if a credit card is stolen, the cardholder shall report the case in time to avoid further losses.

how the credit card was stolen.

1. When the card is swiped, the payee needs to operate "swipe" on the card swiping machine. And some people, it is possible to take this opportunity, using some kind of machine like the credit card machine, put your card. And when you enter the password, it may have been monitored. In this way, after the other party issues a new card and knows your password, it can steal your credit card.

2. The number on the back of the card is leaked

There are 7 digits on the back of the credit card, which is the 7 digits on the magnetic stripe. The last 3 digits of these 7 digits are also called CVV2. Some online payments only need these 7 digits or CVV2, plus the validity period of the card. Therefore, when using a card, if the numbers on the back of the card are leaked or peeped by some people, they will use this method to steal your credit card.

3. Secret-free payment has been opened

If you are a frequent credit card user, you like to pay by credit card, regardless of the size. For example, if you go to the supermarket to buy several hundred items quickly, you also use a credit card. At this time, for convenience, you may open a small or large amount of confidential payment. We know that credit cards include not only magnetic stripe cards, but also chip cards. Chip cards don't need to be swiped in the card slot of the card swiping machine like magnetic stripe cards, but they can be directly placed on the card swiping machine and paid, just like subway cards, which can be paid without entering a password. And some people will take advantage of this convenience, bring some kind of machine, rub it on you in the crowd, or when they are crowded in the subway or bus, so that they can steal your credit card.

4. wechat or AliPay

are as popular as credit cards, as well as wechat payment and AliPay payment. In order to facilitate the operation, most people will bind their credit cards to Alipay or WeChat. We also know that monitoring will be installed in many places. If someone accidentally peeks into the password of WeChat or Alipay during payment, then they can log in to your WeChat and Alipay to steal your credit card.

5. Click on the link with the virus

As we all know, the online red envelope is to send a red envelope through the network. After you click it, you can receive the money paid by the other party. In addition to sending red envelopes among friends, you can also send red envelopes to strangers in QQ group and WeChat group. Of course, strangers can also send red envelopes to you. And some people will take advantage of the pie in the sky to send you a red envelope or a link to get money. After you click these links, the other party may install a virus on your mobile phone or computer and steal your password, so that you can steal your credit card.

6. Leaked verification code

When we spend money online, there is a consumption method called Express Payment. You don't need to log in to WeChat or Alipay, enter the last 6 digits, then enter the password verification code, and you can pay immediately. Because the password of a credit card is 6 digits, some people may set the password to birthday, mobile phone number, etc. for convenience, and these passwords are easy to decipher. Once the password is cracked, only the verification code is left. If you tell someone the verification code online or by phone, they can steal your credit card.

7. The mobile phone has been used by others

Sometimes, we will meet friends or strangers and say to you: The mobile phone is dead, and it's gone. Please lend me your phone to make a call. After you lent out your mobile phone, you didn't always stare at each other. It is this kind of embarrassment that may be taken advantage of by some people. He can get your verification code through his mobile phone, or pay directly with your Alipay and WeChat. After using it, he will delete the payment records and text messages, thus stealing your credit card without your protection.

8. The mobile phone or mobile phone number was stolen

Nowadays, the mobile phone number is as important as people's ID cards. This is because the mobile phone number is not only a tool for people to contact, but more often, it is because the mobile phone number is bound to the bank card. Through the mobile phone number, the password of the bound bank card can be modified, and the bound login account can be modified in various ways. It can be said that the mobile phone number is the master key of funds, so if the mobile phone or mobile phone number is stolen, some people will unbind your mobile phone number, or intercept your verification code directly through your mobile phone. With the verification code, you can steal your credit card.

the reason why the credit card was stolen

The reason why the user's bank card was stolen is the bank's reason, the technical reason and the cardholder's own reason, and it is also related to the imperfection of China's credit information system.

from the bank's point of view, under the pressure of competition, banking personnel blindly pursue the expansion of deposit and loan business and ignore the audit of cardholders, which leads to a large number of phenomena of stealing other people's information to handle credit cards, leaving security risks. The lack of strict examination of credit cards affects the purity of credit cards.

In addition, the bank's relaxation in the strictness of credit card use is also an important reason. Being able to spend without a card and password has become a major injury to credit cards. Take telephone booking as an example. If you buy a ticket through a credit card, you only need to provide a few pieces of information, such as the validity period of the credit card, the last three verification codes, the cardholder's name and ID number, and the user can complete the payment without a card. Although it is convenient and convenient to use, security vulnerabilities are really worrying.

from the perspective of ordinary cardholders, cardholders have some wrong card habits because they don't know enough about banking business. Cardholders often pay more attention to convenience than safety in the use of credit cards, do not strictly abide by the relevant provisions of the credit card articles of association, and do not cooperate with the credit card risk management of the issuing bank. For example, some cardholders do not have a password or set a password that is too simple. Once the credit card is stolen or lost, it is easy for others to crack it, thus making consumption or overdraft;

In addition, due to the improper handling of credit cards by cardholders, such as the failure to cancel expired bank cards in time or the failure to report the loss and reissue them in time after being lost, it will also give criminals an opportunity.

how can a credit card (debit card) be stolen in your hand?

after criminals steal the relevant information of credit cards (debit cards), even if the cards are still in the hands of users, criminals can still run the stolen credit cards. The main reasons for the stolen credit card are someone else's ID card used when applying for the card, the information of the credit card (debit card) lost by criminals, and the cardholder's careless disclosure of the password. It is best for users to replace magnetic stripe cards with chip cards to improve the security of credit cards (debit cards).

at the same time, turn off the small secret-free payment, and you need to enter the password every time you consume, so that even if the card is dropped, you need to enter the password before you can consume it.

Why is the credit card stolen

One of the very important reasons for the credit card being stolen is that the card owner does not pay attention to the protection of credit card information in daily life, which leads to the disclosure of relevant information of the credit card, and criminals use this information to counterfeit the credit card and use it for consumption, and finally there is a case of stealing the credit card; It may also be due to the loss of the credit card, but the card owner did not report the loss in time, and it was used by others after it was found, resulting in the theft of the card. Another important reason is that when the card owner uses the credit card to spend money, criminals will place a machine that can master the information of the magnetic card under the card swiping machine, and the criminals can use it to imitate the credit card to spend money.

credit cards can be divided into bank cards and non-bank cards according to different card issuers

bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

according to different issuers, it can be divided into corporate cards and personal cards

corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.

personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.

gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.

according to different payment methods, credit cards can be divided into credit cards and quasi-credit cards

credit cards. It is that when the issuing bank provides bank credit, it overdraws first, and then repays or pays by installments. Most of these cards are used in international circulation. That is to say, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used in international circulation.

quasi-credit card. It is a credit card issued by the bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance for backup. The cardholder needs to use the card on the basis of the deposit balance, and generally overdraft is not allowed.

according to the different circulation scope of credit cards, they can be divided into international cards and regional cards

international cards. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express, JCB Card and Diners Club Card) are mostly international cards.

area card. Regional card is a kind of credit card that can only be used in the issuing country or in a certain area. Most credit cards issued by commercial banks in China belong to regional cards.

why was the credit card stolen? What should I do if I find that my credit card has been stolen?

The National Day holiday is the peak period of credit card spending, which also brings some sequelae. Many cardholders' credit cards have been stolen. So, why was the credit card stolen? What should I do if my credit card is stolen? Let's take a look at it together.

The stolen credit card is usually caused by the following reasons:

1. The cardholder's information is leaked, including but not limited to the transaction password, the cardholder's ID number and the reserved mobile phone number.

2. The verification code was intercepted due to cell phone poisoning;

3. Personal information was stolen, and the mobile phone card was reissued in different places, resulting in the interception of the verification code;

4. information is stolen by swiping the POS machine when the fire fighter swipes the card or cashes out.

so, what should I do to stop the loss after my credit card is stolen?

1. change the password and report the loss as soon as possible.

2. go to the nearby ATM to withdraw money, and a small amount is enough. This step is to leave a certificate to prove that the previous stolen brush was not my operation.

3. Call the police and ask for police help. Once the police formally file an investigation, you have every reason to apply for refusal.

4. entrust a lawyer, prepare the bank, and let the bank handle the payment.

About why the credit card was stolen and why it was stolen