Credit card users need to protect their ID cards and related information, such as name, birthday, ID number, home phone number, address, marital status, family members, education level, occupation and other information. Do not use relevant information easily. Give it to others. When you receive a call from someone claiming to be a bank employee, you must verify the identity of the other party or call the bank's designated customer service number to handle business.

1. When applying for a card, you must set a password and sign on the back of the credit card. Many cardholders think that a signature on the back of a credit card is optional. In fact, this is not the case. The signature is mainly to verify the cardholder's identity and protect the cardholder's security when using the card. One of the more common means of stealing credit cards is to copy the card. However, scammers usually only use certain technical means to steal the information in the magnetic strip and the transaction password of the card. It is difficult to accurately imitate the cardholder's signature. If you have a signature on the back of the card, you can effectively avoid the danger of copying the card.

2. Keep consumption receipts and usage receipts. Original credit card vouchers such as withdrawal receipts, consumption receipts, and statements on ATM machines should be properly kept or destroyed regularly, and should not be discarded randomly to avoid leaking key information such as credit card numbers and expiration dates.

3. When shopping online, you should choose a formal shopping website, and when using a credit card to pay, it is best to choose a credit card that provides the function of opening and closing online payment at any time. You can open it as you go, and close the online payment as soon as possible after the payment is completed. Function.

4. When swiping a card for consumption, you must check the consumption amount and card number. Before using a POS machine to swipe a card to make a purchase and sign, you must check the consumption amount and card number. After completing the transaction, you must also confirm that the credit card returned by the cashier is your own card to prevent "swapping."

5. If your credit card is lost, report the loss promptly. If your credit card is lost or has been swallowed by an ATM machine, you should go to the bank to report the loss promptly. Never believe the announcements or notices posted around the ATM machine. If necessary, contact the bank's customer service.

6. Read the statement carefully. Banks will mail statements every month, and cardholders should read them carefully and keep them properly to detect wrong accounts or fraudulent transactions in a timely manner.

7. Know the maximum overdraft limit of your credit card to avoid unintentional "malicious overdrafts". Under normal circumstances, the upper limit of the regular card and gold card is 50,000 yuan. If you want to obtain a credit card with a higher limit, you must apply for a platinum and platinum-level credit card from the bank. If you have repeatedly overdrafted your purchases and withdrawn large amounts of cash and have not repaid the amount for more than three months after repeated reminders from financial institutions, you will be deemed to have maliciously overdrafted your credit card and will be subject to legal sanctions.