First, protect the last three digits (last three digits) on the back of the credit card, which is the "second password" of the credit card to prevent the card from being "cloned". Even if criminals peek at credit card account information and merge cards, even if they know the password, they will be rejected without the last three codes. The best way is to remember these three numbers and cover them with tape.
Third, some small businesses try to avoid using credit cards and pay in cash. Generally, when small businesses swipe their cards, the probability of encountering them is much higher than that of big businesses.
Fourth, try to separate the credit card from the ID card to avoid the possibility that the credit card and ID card are lost and stolen at the same time. If you travel abroad, you only need to bring your passport, and your ID card can be left at home.
Fifth, some banks with better service will take the initiative to remind cardholders by phone or SMS and provide free card replacement service to avoid the potential risk of information leakage after customers swipe their cards in overseas high-risk areas or merchants. Don't bother after receiving the card change notice from the bank. You should actively cooperate with the card replacement and safeguard your rights and interests.
Sixth, choose to use the debit card for free. Compared with credit cards, debit cards are more difficult to forge. In order to avoid the risk of credit card being stolen, try to choose UnionPay debit card when traveling abroad. For example, debit cards of Huaxia Bank and other banks do not charge handling fees for overseas withdrawals, thus avoiding exchange rate losses during domestic exchange.
The seventh is to open SMS reminder service. Cardholders can set SMS reminders for credit cards. When the credit card consumption reaches the set amount, it will tell you the consumption situation by SMS as soon as possible. If you receive an abnormal consumption message, you'd better immediately go to the networking equipment of nearby convenience stores, ATMs and other banks to handle the small-scale shopping or deposit and withdrawal of credit cards, and keep the credit card receipt as proof that the credit card has been stolen. Call the bank as soon as you finish this business and freeze the card. It should be noted that you must reserve your mobile phone number correctly when applying for a credit card. If the mobile phone number changes, I should also call the bank customer service hotline to update it in time, which is a necessary condition for applying for freezing the account by telephone.
Generally speaking, after receiving the stolen brush from the customer, if the investigation proves to be true, the card issuing bank will reasonably reduce the loss of the stolen brush from the customer. Disclaimer: The article comes from the Internet and is only for users to learn and communicate. If there is any infringement, please contact to delete it.
How to prevent credit cards from being stolen?
When using a credit card, the biggest fear is that the card is stolen. To avoid this situation, we should take corresponding preventive measures. Of course, only by finding out the reason why the credit card was stolen can we prescribe the right medicine. Let's have a look.
What is the reason why the credit card was stolen?
1. The cardholder's information, including password ID number and mobile phone number, is leaked from the bank (this is the most dangerous and difficult to prevent);
2. Cell phone poisoning causes the verification code to be intercepted;
3. Personal information is stolen, and the mobile phone card is replenished in different places, resulting in the interception of the verification code;
4. When the fire card is swiped or cashed, the POS machine is stolen.
How to prevent credit cards from being stolen?
1. Change the bank card password regularly, and don't deposit too much money in the current account.
2. Download the application app in the regular application market, don't click the link in the information casually, install the unauthenticated mobile phone application, or even install the mobile phone antivirus application, which can reduce the situation of mobile phone poisoning. If the Android phone doesn't work, don't ROOT.
3. When you receive a strange short message in your mobile phone, be alert to whether its content is related to mobile phone verification. If so, please change the password as soon as possible.
4, go out to spend credit cards must go to regular supermarkets and shopping malls, go to informal locations as far as possible not to swipe cards. Pay attention to whether the card swiping machine is abnormal when swiping the card, and pay attention to whether someone is peeping when entering the password.
How to prevent credit cards from being stolen?
Neither the bank nor the name leak is very dangerous. Under normal circumstances, the cardholder will take out his bank card and sign the cardholder's name after swiping the card. This is a normal credit card transaction process. If both the bank and the name are in danger, isn't every credit card with normal credit card operation in danger?
Therefore, there is no danger that the bank and its name will be leaked. As long as the relevant password of the credit card is not leaked, the account is safe.
How to prevent bank cards from being stolen? ：
1. Use the chip card.
Chip card has a high security factor and can store encrypted data, so this kind of credit card is not easy to be stolen, and the possibility of being stolen is greatly reduced. Relatively speaking, the technology of magnetic stripe card security is relatively simple, and criminals will install the cardholder information of magnetic stripe card reader on ATM or POS machines to steal the cardholder's credit card.
2. Use the function of "Little Secret Exemption" less.
Many credit cards have "flash payment" logo, which can open the "small secret visa-free" function. In other words, there is no need to enter a password or signature when the designated merchant spends a certain amount or less. This method is convenient, but the safety factor is not high. Once the credit card is lost, you can swipe it in minutes.
3. Payment reminder function is very important.
The payment reminder function can inform the cardholder of the mobile phone number reserved in the bank immediately after consumption. Once abnormal consumption is found, the cardholder can freeze and report the loss of the card in time to reduce the loss.
4. Personal account information is strictly confidential.
The account password is very important, and no one can give it. This is basic common sense. Once the account password is leaked, it is only a matter of minutes before it is stolen. Cardholders are advised to protect their personal information and not to disclose it at will to prevent the risk of theft.
How to prevent credit cards from being stolen?
It is not uncommon for credit cards to be stolen, so how much do you know about how to prevent credit cards from being stolen? Next, let's learn how to prevent credit card theft.
How to prevent credit cards from being stolen?
First, try not to let the card leave your sight when spending, and protect information such as credit card, verification code and ID number.
Second, in non-face-to-face credit card transactions, we should pay attention to the number of times the cashier swipes the card;
Third, when shopping, it's best to keep consumption records. Once unidentified expenses are found, they can be found and handled in time to avoid greater losses.
The end of the year is the peak period of credit card consumption and the "active period" of credit card theft. Li Jun believes that cardholders should try to open SMS notification service to keep abreast of changes in credit card accounts.
Once the credit card is found abnormal, the cardholder can contact the bank as soon as possible to confirm whether the card has been stolen. You can pay attention to the bank's WeChat or subscribe to the bank's SMS packages such as "balance change" and "consumption reminder".
Type of credit card:
(1) Bank cards can be divided into credit cards and debit cards according to whether they have the function of consumer credit (overdraft).
(2) Credit cards are divided into debit cards and quasi-credit cards according to whether the reserve funds are deposited in the issuing bank.
Credit card: refers to a credit card that the issuing bank gives the cardholder a certain credit line, and the cardholder can spend first and then repay within the consumption credit line when receiving and using the card, without paying a deposit. As long as the cardholder can pay the interest and repayment in installments according to the regulations of the bank, he can recycle the consumer credit provided by the bank.
Quasi-credit card: refers to a credit card that the cardholder must pay a certain amount of reserve fund according to the requirements of the issuing bank, and can overdraw within the credit limit stipulated by the issuing bank when the balance of the reserve fund account is insufficient. At present, all kinds of credit cards issued by our bank allow a certain overdraft of goodwill, which belongs to quasi-credit cards.
Debit card: according to different functions, it can be divided into transfer card, savings card and zodiac card. Debit card does not have overdraft function, but real-time debit and credit, with transfer settlement, cash deposit and withdrawal and consumption functions.
(3), according to the object of use is divided into personal card and unit card.
Personal cards are issued to individuals. All citizens with full capacity for civil conduct can apply for personal cards.
Company cards are issued to enterprises, institutions, military units, organizations, schools and other legal organizations. These legal institutions can apply for business cards in the name of their own units and bear the responsibility of credit cards.
(4), according to the credit rating is divided into gold card and ordinary card.
How to prevent credit card from being stolen? Just pay attention to these points.
Credit cards are widely used in peacetime, but in the process of using credit cards, many people's credit cards have been stolen, so how to prevent credit cards from being stolen? What aspects should we pay attention to at ordinary times? Here are some ways for you to take preventive measures.
Credit card When shopping with a credit card, you must avoid the disclosure of the transaction password. When entering the password, you can manually block it, which can effectively reduce the risk of stealing the card. There is also the frequent change of transaction passwords, which can also ensure the security of credit cards.
When shopping with a credit card, you should also avoid revealing the card information, because you can also steal the credit card directly through the card information, just know the expiration date and security code. However, this method of stealing credit cards generally occurs overseas, and it is difficult to find them after being stolen. In fact, the security code of the credit card can be directly erased.
When handling credit cards, users should choose formal channels, and credit cards handled by formal channels can also prevent theft. When applying for a credit card, the applicant needs to go to the regular bank window. Select the payment method with credit card password. But it can also be handled through the Bank of official website.
Also, try to use your own credit card and avoid lending it to others many times. Nothing is good, and if something goes wrong, it will not be worth the loss. If you need to lend money to others, please go to the ATM to withdraw money yourself. It should be noted that credit card withdrawal requires handling fees and interest, and the cost is relatively high.
Finally, cardholders should have the most basic ability to identify regular websites when using credit cards for online consumption. Don't be confused by phishing websites, and don't log in their bank cards, the last three digits, the expiration date and personal information at random on websites that don't shop often. Users can choose to call the police after their credit cards are stolen, but they need to report the loss in time.
How to prevent credit card (debit card) from being stolen?
To prevent the theft of credit cards (debit cards), we should pay attention to the following aspects:
1. Try to choose an IC chip card with higher security;
2. When checking and withdrawing cash from ATM machines, pay attention to whether there are abnormal situations such as irregular card slots and foreign objects attached outside the card slots;
3. When running online, to log in from official website, phishing websites usually add numbers or letters before and after official website;
4. Don't click on unknown links or floating windows or bank websites provided by emails, text messages, etc.
5. Don't run operations involving personal identity information in public online places such as Internet cafes;
6. Avoid using easily guessed passwords, such as birthday, phone number, ID number, account number and simple sequence combination (such as1111,123456);
7. If the card is found stolen, you should immediately call the issuing bank to freeze the card and cooperate with the bank investigation to avoid the risk loss from expanding.
So much for the introduction on how to prevent credit card theft.