Do you know what information on the front and back of a credit card has been leaked, which may lead to fraud?

There are many types of credit cards on the market. For standard-shaped credit cards, no matter which card issuer issues them Regardless of the function or feature of a credit card, the card is divided into front and back, both carrying important information:

1. Let’s first look at the front of the credit card, as shown below:

The front of the card will contain the card issuer logo, card organization logo, cardholder name, validity period, etc.

Credit card issuer logo: bank name, bank LOGO, credit card name, etc. If it is a joint credit card, it also includes the joint name and unit LOGO, etc.

Credit card organization logo: identifies the organization for which the credit card is applicable. You can only use the card to make purchases at POS machines that support the organization or withdraw cash or transfer money at ATM teller machines that support the organization. Almost all domestic credit cards support UnionPay.

Credit card validity period: The expiration time of the current credit card, consisting of two digits of the month and two digits of the year. For example, "11/18" means it expires in November 2018. After the validity period marked on the card expires, the old card must be replaced with a new card, otherwise the card will no longer be usable.

Credit card holder’s name: The name on the cardholder’s valid ID. If the name is in Chinese, the pinyin letters of the Chinese characters will be used.

Credit card: Credit card account ID. Each credit card is unique and consists of 4 groups of 4 digits and 16 digits.

Credit card information chip: only available on chip cards (magnetic stripe cards do not include this part), used to save and update credit card related data.

2. Let’s take a look at the back of the credit card:

Compared with the information contained on the front of the credit card, there are several information contained on the back of the credit card that require special attention.

Credit card website: Access this website through a computer browser to query credit card related information (such as bills, available limit, etc.).

Credit card anti-counterfeiting mark: A mark used to simply identify the authenticity of a credit card. It is usually produced and issued by the credit card organization. Some credit cards also have this mark affixed to the front of the credit card.

Credit card domestic and overseas service hotlines: the number you need to dial when you need credit card phone services abroad.

The number you dial when you need credit card phone service in China is usually the 400 hotline number. Calls from mobile phones only charge the market charge.

Credit card magnetic stripe: Saves the basic information related to the credit card. If it is damaged, the credit card will not be read correctly by the card reader.

Credit card CCV2 code: A 3-digit number generated by the card-issuing bank's encoding rules and encryption algorithm, which is equivalent to the second password of the credit card. During the payment process, if the merchant provides the credit card and CCV2 code to the bank, the bank will obtain cardholder authorization by default for the merchant to allow the transaction. Therefore, the security of the CCV2 code must be ensured to prevent the credit card from being stolen.

Credit card signature field: used for the cardholder’s handwritten signature. If the credit card does not have a transaction PIN, it must have a clear signature before it can be used (the signature must match the name printed on the front of the card).

3. Important information that cannot be leaked on the face of a credit card

The emergence of credit cards has changed our consumption patterns. With the increase and frequent use of credit cards, the problem of information leakage has increased. Appear. So, what information on the credit card cannot be disclosed?

The first is the 16-digit credit card number on the front of the card;

The second is the validity period of the credit card;

The third is the last number printed on the back of the credit card, after the signature. 3-digit security code and signature;

The most important thing is - SMS dynamic verification code! The SMS dynamic verification code is regarded as a transaction password and is a powerful tool for payment security verification. If others know it, the consequences will be disastrous.

When using credit cards, we should pay attention to the following points to prevent credit card information from being leaked and causing serious consequences:

1. Do not lend credit cards to others for use, and protect them well. Your own mobile phone number, ID number, etc.;

2. Do not click on unknown links. If you find false links or information, please call 12377 to report;

3. Once the card is lost, report the loss immediately ; If information is found to be leaked, you should immediately call the customer service hotline to freeze the card.

4. Do not let the credit card out of sight. When entering the password, cover the operating gestures as much as possible to prevent criminals from peeking.

5. Do not conduct online transactions in public Internet places such as Internet cafes, or in unknown free WiFi.

Have you ever thought about: If our credit card information is leaked and stolen, what measures should we take to prevent asset loss or reduce losses?

What are the consequences of sending the front and back of your credit card to others? Take an example and you will know at a glance

On the Internet, people often say that they can help people increase their credit card limit unconditionally, but they need to provide the front and back information of the credit card. And we all know that the front and back of a credit card contain credit card, security code, expiration date and other information, which are important credentials for credit card transactions. So, what are the consequences if you send this information to others? You will understand after reading this example.

Example review:

Mr. Wu’s credit card has been used for a long time without raising the limit. He saw someone in the WeChat group saying that he could raise the credit card limit on his behalf, so he contacted him. , the other party asked Mr. Wu to take a photo of the front and back of the credit card and send it to him, saying that this would help him understand the credit card situation and help increase the limit.

Mr. Wu thought that since he had the credit card in his hand, even if the other party knew the front and back information, he would not be able to swipe the card, so he didn’t think too much and just took a photo and sent it to him. As a result, within 10 minutes, I received several consumption text messages in a row. Thousands of dollars on my credit card had been depleted. Only then did I realize that I had been deceived.

In real life, there are many examples like Mr. Wu. They were all not very clear about the importance of credit card information, and as a result, they were defrauded of their information and their credit cards were stolen.

Analysis:

The credit card, validity period and credit card security code on the front and back of the credit card are all important credentials for credit card transactions. As long as you have this information, you can swipe the card even if the card is not in your hand. consumption. You should know that no password is required for shopping on overseas websites. As long as the buyer provides an account number and security code, the transaction can be completed.

And the sad thing is that because the credit card information is leaked by the cardholder himself, the bank will not be held responsible even if the card is stolen. Unless the police call the police and recover the loss, the cardholder needs to advance the money he wants to use stolen, otherwise it will affect his personal credit. If the amount stolen is too large and the debt is owed for a long time, he may be held criminally responsible. responsibility.

Can I send photos of the front and back of my credit card to others?

You are not allowed to take photos of the front and back of the credit card for others. When a cardholder uses a credit card to make large purchases, the card-issuing bank will pay the merchant a one-time payment for the goods (or services) purchased by the cardholder, and based on the cardholder's application, the consumption funds will be transferred to the cardholder's credit card account in installments. Deduction, a business in which cardholders repay according to the monthly credit amount.

In the past, credit card installments mainly included bill installments and single consumption installments. Banks usually charged corresponding handling fees based on the number of installments. Whether it is bill installment or single consumption installment, the premise is that consumption behavior occurs first, and then the bank sets the installment repayment of the credit loan generated.

Extended information

Every card-issuing bank can basically support this installment method, and the application is simple. Users only need to submit an installment application to the card-issuing bank by phone or other methods after swiping their card for consumption and before monthly bills are sent. However, it should be noted that each bank will stipulate some special cases. For example, speculative card swiping will not be successful in installments. So before proceeding with staging, be sure to read the staging manual carefully.

The disadvantage of bill installment is that the handling fee cannot be waived.

The longer the number of installments, the higher the handling fee, all of which must be borne by the cardholder.