Why is the credit card stolen

One of the very important reasons for the credit card 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 imitate the credit card according to this information and use it for consumption, and finally there is a case of stolen 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.

What are the reasons why credit cards are stolen? Avoiding these can reduce losses

Every year, there are many news reports that credit cards are stolen, and usually the losses are borne by the cardholders. Today, let's talk about the reasons why credit cards were stolen.

One of the reasons for the stolen credit card is that the credit card swiping website is not regular

Cardholders who like "online shopping" or "Haitao" should not spend their credit cards on some small trading websites for a short time. Many overseas credit card gangs will choose these websites to steal their accounts.

the second reason why the credit card is stolen is to pass it on to someone else to swipe it.

when using a credit card, don't pass it on to someone else to swipe it, and don't give it to the clerk at will to settle the bill. Prevent "people with ulterior motives" from taking the opportunity to obtain relevant information on credit cards. In short, don't let the credit card stay out of your sight.

the third reason why the credit card was stolen: the credit card information was leaked

The information on the credit card was leaked, such as the credit card, the expiration date of the card, and the security code, which was enough to be illegally used by people to steal the credit card.

the fourth reason why the credit card was stolen and swiped: opening the unknown link

The above are the main reasons why the credit card was stolen and swiped. When using it, you must pay attention to avoid property damage.

what's with the stolen credit card? What about stolen credit cards?

Nowadays, we can often see that people are using credit cards in their daily lives, and credit card spending has become the main way for people to shop and spend. However, people sometimes steal credit cards when they usually use them. So, what's with the stolen credit card? What should I do if my credit card is stolen? I will answer your questions today.

what's with the stolen credit card?

credit card theft means that someone else steals your credit card or steals your credit card information to make a transaction through your credit card.

It may be that your credit card was lost, picked up by others, and your password was tried out, so it was stolen; It may also be that you don't know your credit card information and password through illegal means, so you steal it; Or someone stole your credit card to steal it.

what is the impact of credit card theft?

if your credit card is stolen, it will be maxed out to a great extent, resulting in malicious overdraft. It is also possible that someone will take the opportunity to withdraw cash. These are likely to affect your personal credit, and may also lead to your credit card being subject to bank risk control.

what about stolen credit cards?

if you find that your credit card has been stolen, you should report the loss to the bank as soon as possible to avoid further losses.

If your credit card is on you but it is still stolen, in order to prove that your credit card has been stolen, you have to make a transaction with your credit card and get a ticket to prove that you have the credit card.

if the credit card is stolen seriously, you should report it to the police, so that the police can file a case to deal with it and avoid more serious consequences.

how to avoid credit card theft?

The reason why your credit card is stolen is precisely because your credit card is not secure enough, so in order to avoid it being stolen, you should do the following two things:

1. Don't set the transaction password of the credit card too simply, especially it's better not to be a birthday, so as not to be tried by people;

2. Now, in addition to handling cards in banks, there are many agencies and professionals who sell cards with many discounts. Try not to go to these places to handle cards, which will easily reveal your identity information and lead to your credit card being stolen.

The above is about "What's with the stolen credit card? What should I do if my credit card is stolen? " The answer. Stealing credit cards is a very serious matter. When you use credit cards, you should also pay more attention to protect your credit card information to avoid being stolen.

how can a credit card be stolen when I have it 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.

Let's stop talking about how credit cards are stolen.