Will CCB virtual credit card be used fraudulently?
No.
Compared with traditional physical credit cards, online credit cards allow you to set your own payment limit, reducing the problem of account numbers, passwords and other information being stolen.
China Construction Bank (referred to as Construction Bank or CCB, originally named People's Construction Bank of China, and renamed China Construction Bank on March 26, 1996) was established on October 1, 1954 (Jiawu Year) , is a joint-stock commercial bank.
What does it mean to cash out with a CCB credit card?
Hello, if you receive such a text message reminder, it is very likely that your card consumption behavior has triggered the bank's risk control system. In this case, it is best to standardize card swiping recently, participate in various bank activities appropriately, and strive to lift bank risk control
People who are suspected of cashing out will usually have their credit limit reduced or frozen by the bank. After being frozen, the cardholder If you want to unfreeze, you need to print out the consumption details of the recent period and submit the details to the bank for review to prove that the credit card has not been cashed out or stolen. If the bank approves, the credit card will be unfrozen.
1: Cashing out is an economic term that refers to taking advantage of the subtle differences in prices of the same product or nearly identical products in different markets to make profits.
2: Illegal cash-out generally refers to obtaining cash benefits in exchange for illegal or false means. According to the Interpretation of Several Issues Concerning the Specific Application of Laws in Criminal Cases Obstructing Credit Card Management by the Supreme People's and Supreme People's Procuratorate, cashing out refers to violating national regulations and using point-of-sale terminals (POS machines) and other methods to fictitious transactions, false prices, Cash returns and other methods pay cash directly to the credit card holder. China UnionPay's "UnionPay Card Acquirer Merchant Risk Management Rules" defines cash-out behavior as: merchants collude with bad cardholders or other third parties, or the merchants themselves use virtual transactions to obtain cash.
Three: Cash out with empty cards
Cashing out with empty cards is actually a method of using credit cards to get cash. Here is a brief introduction to cashing out empty cards with credit cards.
Conventional credit card cash-out means that the cardholder swipes the full amount of the credit limit on your credit card through many cash-out companies or other institutions, and then the party who swipes the card gives you cash immediately. Methods of cashing out require a handling fee ranging from 1.5 to 3.
Empty card cash-out is to withdraw cash from your credit card when your credit card credit limit is used up. The amount withdrawn can be several times your credit limit. This kind of cash-out is relatively difficult to complete, and only a few banks' credit cards can cash out empty cards, and the handling fees are relatively high, with the highest reaching 25 and the lowest being around 15. Usually the cash-out intermediary takes you to some merchants such as Suning Appliances or Gome to buy electrical appliances, and you pay by credit card in installments. Then the intermediary will give you cash and charge a handling fee. As for the purchased goods, the intermediary will return them to the mall through some means.
What should I do if my CCB credit card is stolen?
After discovering that your credit card has been stolen, you should do the following:
1. Apply for a lost card:
After discovering that the credit card has been stolen, the cardholder should immediately call the customer service number of the credit card center of the card-issuing bank to temporarily freeze the credit card account, which can reduce subsequent losses.
2. Collect evidence by yourself:
After reporting the loss of a credit card, the cardholder should promptly go to a nearby monitored store to swipe the card once. This can prove that at this point in time, the card holder is holding the card. In one's own hands.
3. Make a complaint:
Then the cardholder should file a complaint with the bank in time to indicate that his card has been stolen and which transactions were not his, and there is evidence. It proves that it is stuck in your own hands at this time.
4. Report the crime to the police station:
No matter how much the credit card has been stolen, the cardholder should go to the nearest public security bureau or police station to report the crime. When reporting the crime, he or she can provide evidence by themselves. information.
What to do if China Construction Bank's credit card is fraudulently used?
You need to do the following tasks
1. Look at the content of the text message. The information sent by the bank should first contain your credit card number. Whether the last digit can match the credit, time and amount in your hand, etc. Without these, it is definitely not issued by the bank.
2. Remember not to call the bank according to the phone number that was sent to you.
Yes
Yes
Follow these phone numbers to check.
3. Whether your card is in your hand
4. Check with the bank that it is indeed your card. The most important thing is to contact the bank
to avoid The loss will be greater
5. Report the case to the police
What should I do if my CCB credit card is stolen?
If a CCB credit card is stolen, you need to report it to the public security agency immediately
If the CCB user’s account funds are defrauded, the user needs to report it to the public security agency immediately. If necessary, CCB We will actively cooperate with the public security organs in relevant investigation work.
If the user has disclosed the account information or feels that there is a possibility of further damage to the account funds, it is recommended that the user report the loss of the account as soon as possible through 95533, CCB branches, online banking or mobile banking.
Extended information
For example, to ensure the safety of users’ credit card funds, users must not transfer or pay to strangers. When handling transactions, they need to confirm the true identity of the payee. Then proceed with the transaction.
Measures to prevent credit card theft:
China Construction Bank Credit Card provides 724-hour risky transaction monitoring services to promptly detect suspicious fraudulent transactions and contact customers for confirmation. Cards that confirm fraudulent transactions will be Carry out control and provide card replacement services for cards with information leakage to ensure the safety of cardholders' funds. Users are also requested to keep their cards properly and not to leak personal and card information easily.