At present, the most common reason for the theft of credit cards (debit cards) is the loss or disclosure of personal identity information. According to the personal identity information of credit card (debit card), criminals see through the password of credit card (debit card) and steal the funds on credit card (debit card), causing serious losses to cardholders.
We often encounter all kinds of online surveys and apply for all kinds of online passes. This situation often involves personal identity information, such as real name, mobile phone number, ID number and other personal identity information. Gao, a financial planner at the Youth Road Sub-branch of Urumqi Commercial Bank, reminded cardholders that once this information is leaked, it will pose a threat to the security of personal accounts. Therefore, don't easily participate in various online and real-life surveys about personal identity information, and don't fill in important personal identity information about yourself, so as to avoid being deceived by criminals and leading to the phenomenon that credit cards (debit cards) are stolen.
It is reported that the most effective and commonly used anti-theft brush method for domestic credit cards (debit cards) is to set a password. Although the method of identifying signature when swiping a card is widely used abroad, it is also implemented in China, but the actual effect is still not as good as password. So many people say it's better to use a credit card (debit card) instead of a password. Because if the password is stolen, the bank has the opportunity to take part of the responsibility, and if the credit card (debit card) with password is stolen, the cardholder will take full responsibility.
Stealing a credit card (debit card) because the password is cracked is a common form of theft. Gao said that when handling credit cards (debit cards), you must set a relatively safe password, and don't set a password related to personal identity information. For example, the birthday, ID number and mobile phone number of yourself and your family are the most commonly used and easily cracked password combinations, which should be completely eliminated. The inquiry password, online banking login password and payment password of the same bank card should not be set the same, which is also one of the effective methods to prevent credit cards (debit cards) from being stolen.
Among the various means of stealing credit cards (debit cards), there is also a replacement of watches. Many people don't need a password for their credit cards. For this reason, cardholders often ask the waiter to swipe their cards (credit cards) on their behalf after spending. Credit card (debit card) switching is the most common form of crime. Wang Xin, a financial planner at Xinjiang Branch of Bank of China, said that if a credit card (debit card) doesn't need a password or a signature, it is more likely to be stolen.
"Now using a credit card (debit card) can not only be spent in a physical store, but also be swiped directly during online shopping. However, you still have to choose a larger and trustworthy merchant and swipe your card before shopping. " Wang Wei said.
In addition to physical stores, some fake online stores that lure consumers at extremely low prices can also set up page Trojans to guide the final payment interface to the corresponding Trojan pages, record information and passwords, and run stolen brushes. Therefore, we must pay attention to the details before shopping to avoid information being stolen.