How to identify counterfeit credit cards? These skills must be mastered

Leaked credit card information can easily be used by criminals to make fake cards and use them on POS machines. If POS merchants do not identify counterfeit card transactions in time, they will have to bear the losses caused by the theft. . Therefore, merchants must promptly identify counterfeit credit cards. Here we will teach you a few methods to identify counterfeit cards.

1. Identify from the credit card itself:

1) Check whether the starting number of the credit card matches the issuing organization. The UnionPay single currency card starts with 62, and the UnionPay VISA dual currency card starts with 4. UnionPay MasterCard Dual Currency Card starts with 5. If it does not match the card issuing organization, it is undoubtedly a counterfeit card;

2) Check whether the validity period of the credit card has expired, and check the customer service number on the back of the credit card. Does it match the marked customer service number of the card issuer?

2. Identification from the credit card POS receipt:

After the credit card transaction, compare the credit card displayed on the POS machine receipt with the credit card. If they are inconsistent, it may be a counterfeit card.

3. Call to identify:

If the counterfeiting technology is relatively high and cannot be identified by the naked eye, but you are afraid of encountering a fake card, you can directly call the China UnionPay Authorized Center and Report the first 6 digits to the authorized personnel, who will check whether the issuing bank marked on the credit card is consistent with the actual issuing bank. If it is inconsistent, it is definitely a counterfeit card.

4. Identification from the cardholder’s behavior:

Using a counterfeit card to swipe the card will hide the credit card, look nervous when swiping the card, be impatient when the merchant checks the credit card, and even Deliberately finding other topics to distract the merchant's attention, taking back the credit card immediately after swiping the card, etc. These are all signs of ulterior motives and guilty conscience.

How to distinguish bank cards and credit cards

To distinguish bank cards and credit cards, you can use the following methods:

1. The expiration date and cardholder’s name are printed on the front of the credit card Pinyin, while the debit card does not.

2. Credit cards are all embossed, while debit cards are usually flat-printed.

3. There is a 7-digit number printed on the back of the credit card, but not on the debit card.

4. On the back of a credit card, there are words "This card is valid only after signature" or similar words. On the back of a debit card, there are only the words "Signature of the cardholder".

5. Credit cards have laser anti-counterfeiting signatures; about 90% of debit cards do not have laser anti-counterfeiting signatures.

Debit cards are divided into transfer cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.

Debit card [debitcard] can be used for consumption online or at POS, or for transfer and withdrawal through ATM. Overdraft is not allowed, and interest is calculated on the amount in the card based on current deposits. Funds are withdrawn directly from the savings account when spending or withdrawing money. Debit cards generally require a password (PIN) when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their levels; they can be divided into domestic cards and international cards according to their scope of use.

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

Creditcard, often called a credit card, refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. It has the following features: consume first and repay later, enjoys an interest-free payment period (up to 56 days), and has a minimum repayment amount. Customers can repay in installments if they have overdrafts. Customers need to pay a certain amount of annual fees to the bank they apply for, which differs from bank to bank.

The quasi-credit card is a single-currency, single-account credit card that bears interest on deposits and is settled in RMB when swiping the card. It has functions such as transfer settlement, cash deposits and withdrawals, credit consumption, and online banking transactions. When the balance of the account is insufficient for payment by swiping the card for consumption or cash withdrawal, the cardholder can overdraft consumption or cash withdrawal within the prescribed limited credit limit, and a certain amount of interest will be charged. There is no interest-free repayment period.

Quasi credit card is a type of credit card with Chinese characteristics. There is no such type of credit card abroad. In the late 1980s, China's banking industry introduced credit card products from abroad. Because China's personal credit system was not very complete at that time, the Chinese banking industry made certain changes to foreign credit card products. The traditional foreign credit card credit card deposits had no interest and overdrafts had an interest-free period. Instead, deposits had interest and overdrafts were not interest-free.

A quasi-credit card has some functions of both a credit card and a debit card. It generally requires a deposit or a guarantor. When using it, you deposit first and then consume, and interest is calculated on the deposit. Cardholders can make small overdrafts within the limit approved by the card issuer when making purchases, but interest will be calculated on the overdraft amount from the date of overdraft, and the balance must be paid off in one go. There is no interest-free repayment period and minimum repayment amount. The basic functions are transfer settlement and shopping consumption.

How to tell if it is a credit card or a debit card without seeing the card

How to tell if it is a credit card or a debit card without seeing the card

are the card Bin, which indicates the issuing bank and card type of the card. However, to accurately identify it, you need a complete card Bin database.

How to tell whether a China Construction Bank Platinum Card is a credit card or a debit card

1. The card with clear words "credit card" and "credit card" on the face is a credit card.

2. There is a laser anti-counterfeiting mark on the front of the credit card, but there is no laser anti-counterfeiting mark on the debit card (except for certain bank debit cards)

3. The credit card must have an expiration date.

4. The words "debit card", "savings card", "cash card", "MAESTRO" and "CIRRUS" clearly appear on the card surface are debit cards.

5. Credit cards are all embossed. Debit cards are either flat-printed or embossed.

6. The front of the credit card has the Chinese pinyin of the cardholder’s name, and some also have the gender “MR” and “MS”. A debit card is not necessarily available.

7. There is generally no need to enter a password when making a credit card purchase (except for Shenzhen Development Bank credit cards, CITIC Credit Cards, and some CCB credit cards). You only need to enter 6 or 4 digits on the password key to confirm.

8. Credit cards have expiration dates.

9. There is a CVV code for online payment on the back of the credit card.

How does China CITIC Bank distinguish between credit cards and debit cards?

The pinyin of your name is in the lower left corner of the bottom of the credit card! No debit card! Credit cards have numbers on the back, but debit cards don’t!

How to tell whether a card from the Agricultural Bank of China is a debit card or a credit card

The difference between a debit card and a credit card (card face): There is a name pinyin, expiration date, and signature line on the back of the credit card in the lower left corner of the front. There are numbers next to it; if there is no above information, it is a debit card.

The difference between credit card and debit card:

1. Ease of application: Deposit card wins.

As long as you have an ID card (usually second-generation nowadays), you can go to the bank to apply for a savings card for yourself; but if you only have an ID card and apply for a credit card, the bank must consider the customer's Depending on your income level, social security, assets, etc., whether you can issue a card requires a bank assessment.

2. Regarding annual fees: credit cards win.

Nowadays, almost many banks charge an annual fee for their savings cards, usually ranging from 10 yuan. Of course, there are also first debit cards from the same industry that do not require an annual fee, but not all cards; Credit cards are different. Although the annual fee is as high as tens or hundreds of yuan, as long as the card is swiped within one year to meet the annual fee exemption conditions, the annual fee for the next year can be waived.

3. Security PK.

Both debit cards and credit cards are swiped, either through online transactions or mobile devices.

As long as there is trading, there will be risk. Therefore, when using debit cards and credit cards, you must protect your passwords. If you use a debit card with online banking enabled, you must also ensure that the necessary security software is installed on your computer and learn to use online banking shields.

4. Whether overdraft is supported.

Generally, debit cards do not support overdrafts. A credit card has an overdraft function. The overdraft function is still very helpful for temporary urgent needs, but if you are afraid of blindly overdrafting, which will cause some unnecessary trouble, it is still necessary to learn to consume rationally.

5. Relationship with life.

In terms of life functions, credit cards are undoubtedly superior. For example, you can use your credit card to spend points in shopping malls and hotels, and take the subway and bus. It is very convenient to use your credit card when traveling, consuming, and shopping abroad. Debit cards don’t have so many tricks, but if the debit card has online banking, it is also very convenient for online shopping, repayment, transfers, etc.

6. Impact on personal credit.

Since the debit card does not have an overdraft function, every expenditure and consumption incurred through the debit card is yours. You can deposit as you like and withdraw as you like, and the bank has no control over it. Credit cards are different. Each month has a billing date and a final payment date. If you repay overdue, you will have credit problems, which will affect your normal life and work.

How to tell whether a CCB car owner card is a debit card or a credit card, and what is the annual fee?

Credit cards generally have the name of the card holder and the expiration date printed on them. And it will also indicate that it is a credit card. The annual fee ranges from 80 to several hundred. It depends on whether you have a regular card, a gold card, or a platinum card. Generally, the annual fee can be waived after a few purchases.

Hope this can help you , please accept if you are satisfied

Is there any charge for CCB’s service hotline? How to tell whether a bank card is a credit card or a debit card?

Local call charges are charged. If your mobile phone plan comes with free minutes, it is equivalent to free. To tell the difference, see if there is a debit card or credit card symbol on it. Generally, credit cards look better than debit cards. The CCB savings card is the dragon card or the zodiac card, and the others are almost all credit cards!

Asking for adoption

I can’t remember my CITIC Bank savings, how can I apply for installments on my credit card?

I suggest you consult the customer service of the CITIC Bank Credit Card Center to resolve your personalization issues. question. Generally speaking, after application, the bank needs to pass the review and approval before it will lend you money, and sometimes it is not real-time when the loan reaches the designated card.

How to tell whether a credit card is an internal card or an external card?

There are ways. All domestic credit cards have the "UnionPay" logo in addition to the VISA or MASTER logo. Foreign credit cards also have the "UnionPay" logo. No, because UnionPay is the only Chinese bank card organization established in China with the approval of the State Council and the approval of the People's Bank of China. I don’t know how you want to tell the difference. If you are stuck, there is the simplest way. All domestic cards have Chinese introductions on the back, but foreign ones do not.

In addition, if you are from Hong Kong, Macao, or Taiwan, there may be a Chinese introduction. Then you can look at the service hotline on the back of your credit card. If the overseas service hotline is: 86... then It must be a domestic card because (86) is China’s international dialing code. If it is just through the number, most people cannot find it and can only tell what card it is. There are only four institutions in the world that can issue credit cards, namely VISA, MASTER, the ones we most often come into contact with, and the less common ones, Diners Club (Diners Club) and American Express (American Express).

First of all, it is distinguished by the number of digits. VISA and MASTER are 16 digits, Diners Club is 15 digits, and American Express is only 14 digits. So how to distinguish VISA and MASTER? VISA cards all start with 4 characters, and MASTER cards all start with 5 characters. This is the same whether it is domestic or overseas, so you can only tell the card type by looking at it, but you cannot tell whether it is domestic or foreign. Hope this helps.

If I have a bank card, how do I confirm whether it is a debit card or a credit card?

There is a mark on the top of the card.

Can I exchange credit cards and debit cards? Will it affect points?

Bank cards cannot be replaced unless the card is reported as lost and replaced. The content of the original account will not be affected by reporting the loss and replacing the card.

How to distinguish credit cards and debit cards?

According to the bank, determine whether it is a credit card or a debit card: the debit card has 19 digits, and the credit card has 16 digits. And judging from the display on the card, the debit card does not have the pinyin of the cardholder's name printed on it, while the credit card has the pinyin of the cardholder's name on the front.

When swiping a card for consumption, the credit card can be overdrafted. There is no need to have a deposit in the card to swipe the card for consumption. If the limit is exceeded, it cannot be used. You can call customer service to apply for a temporary limit; for debit cards, a card must be requested. You can only swipe your card if there is a deposit inside.

Debit cards are divided into debit cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit.

The role of credit reporting:

1. The impact of credit reporting:

1. It will reduce the borrower’s loan amount.

2. Not giving borrowers preferential interest rates or increasing loan interest rates.

3. If there are multiple bad credit records, the borrower’s loan application will be directly rejected.

4. It has an impact on many fields such as job hunting, renting a house and even visas to go abroad.

5. Credit bureaus will be included in the central bank’s blacklist, which will bring a lot of inconvenience to life.

2. Behaviors that affect personal credit:

1. Late water bills, phone bills and other related expenses. These small things will affect your personal credit.

2. If the borrower’s debt is too high. Most people have already had car loan and house loan repayments exceeding 50% of the borrower's monthly income, and credit card repayments that exceed 50% of the borrower's monthly income will also be deducted. Be included in the bad credit reporting system.

3. The borrower applies for personal loan default. If there is any outstanding loan principal and interest or the guarantor is repaying the loan; if there is a loan extension record recently or within two years of using capital to offset the debt, it will also be included in the credit record list.

How to identify the authenticity of Ping An Bank’s credit card?

There are several ways to identify the authenticity of a credit card:

1. Look at the back of the credit card. There is usually a customer service number of the credit card company on the back of the credit card. Citizens can call it. If the system prompts that it is invalid, it means that it is a counterfeit card.

2. Look at the plastic film. The surface of the real card is smooth and the card material is relatively elastic. When the card is illuminated by a purple light, the bank's logo or the name of the card issuer will appear, which is a laser anti-counterfeiting label; the surface of the counterfeit card is rough, the color is easy to fall off, and the negative film generally has no anti-counterfeiting design.

3. Look at the printing. The colors of real cards are bright and bright, the words are clear at a glance, and the stripes on the card are neatly arranged; the words on fake cards are usually blurred, the color is uneven, and the stripes on the card are uneven, making the overall look very uncoordinated.

4. Look at the imprint. The uppercase English letters of the real card are neat and orderly; the imprinted numbers and English letters of the fake card are not neat or have different sizes, and some of the old ones that have been altered can even be faintly visible.

This ends the introduction on how to identify credit cards and how to identify credit cards and debit cards. Have you found the information you need?