Credit card, also called debit card, is a non-cash transaction payment method and a simple credit service. Generally, banks or credit card companies issue them to cardholders according to users' credit and financial resources. Cardholders don't need to pay cash when using credit cards, they can wait until after the bill. It can be said that credit card has gradually become a way of consumption for us.

But is it really safe to use a credit card? Recently, Mr. Wu from Chengdu went out to buy a pack of cigarettes. At that time, he used a credit card to pay the bill, but just after swiping the card, he received a short message from the bank, showing that the user had owed 311720168.39 yuan. Mr. Wu was also surprised and quickly contacted the bank staff to confirm. Later, it was found that it was caused by system upgrade, not ransomware, but it triggered a discussion about credit card security.

So what are the risks of using credit cards?

Magnetic stripe cards are easy to copy.

We all know that bank cards used to be magnetic stripe cards. Swiping a card on a POS machine or ATM machine will leave the magnetic stripe information of the bank card on the machine. For technicians who are familiar with the credit card manufacturing process, they can copy the magnetic stripe information by looking at the service life, so it is not uncommon for credit cards to be copied and stolen. But now many bank cards are upgraded to chip cards, which are relatively safe and can be replaced as soon as possible.

Easy to be stolen

Credit card Many people feel that the inexplicable credit card has been consumed, and some people have even been judged by the bank as a bad credit card. For example, one of my former leaders had his credit card swiped for no reason 1000 yuan, so pay attention to safety when using credit cards. For example, if a mobile phone bound by a credit card stops working, it should be replaced in time. At ordinary times, you should also turn on the security mode of credit card use and choose to sign and enter the password, because this can prevent the credit card from being stolen.

Bad credit record due to failure to repay in time.

Credit cards are for our convenience. You can swipe your card first and then pay back. But many times, the bank put a bad record on our credit record because we are overdue or even overdue. Credit is closely related to our life now. It has even been suggested that Alipay's sesame credit can be used as a basis for making friends, because if there is a bad record, his sesame credit will not be high. Similarly, now the society attaches great importance to credit, and buying a house will also require checking your credit history. Even when the bank lends money, you will look at your personal credit history. If you have a bad record, the bank loan will not pass. Therefore, when using credit cards, the most important thing to pay attention to is the problem of repayment, and we must develop the habit of timely repayment.