Will it be stolen if a credit card is lost? It is very important to report the loss in time

Credit cards are widely used in daily life, which also brings certain convenience to our lives. However, there are many problems when using them. Someone accidentally lost his credit card. So if the credit card is lost, will it be stolen? Have you ever paid attention to this problem in your daily life? Let me give you a detailed introduction below.

There is a risk of credit card fraud if you lose it, because many foreign websites do not require a password when paying with a credit card. You only need to inform the credit card, expiration date, and security code to complete the payment. This is also the reason why many credit cards are stolen, so you should report the loss promptly after losing your credit card.

After reporting the loss of a credit card, you can apply for a new card, but different banks may charge different fees when applying for a new card. If the user does not want to continue using this credit card, the cardholder can choose to cancel it after it is lost. After canceling, there will be no risk or theft.

Even if the credit card is lost, the outstanding balance must be returned promptly. If the card is not available, the user can return it through bank counters, online banking, or third-party platforms. If you use a third-party platform for return, your account may be delayed. If the cardholder does not know, he can call the bank's customer service number to ask.

Users should repay in time after using credit cards and avoid overdue repayment. After overdue repayment, the bank will collect and generate penalty interest. The longer the time, the more penalty interest will be generated. The bank will also upload it to the credit reporting center after it is overdue. If the credit reporting becomes bad, it will affect the processing of various loans.

When users cannot repay their credit cards on time, they can use installment repayment or the minimum repayment amount. This repayment method can reduce the monthly repayment amount of the cardholder and prevent overdue repayment. . However, there are certain fees for using installment repayment or minimum repayment amount.

Will the credit card be stolen?

If the credit card has the following conditions, it may be stolen, such as the card is stolen; the number on the back of the card is leaked; the card is free of charge. Pay with password; bind WeChat or Alipay; click on a link with a virus; or leak the verification code.

Card theft is basically a type of card fraud that uses POS machines to make purchases. Nowadays, most of the fraud on the market is of this type. If you encounter this situation, it is recommended to call the credit card issuing bank immediately to inform you that the card has been stolen, freeze it immediately, and then call the police. In addition, banks can basically avoid responsibility for online payment fraud.

It is recommended that you do the following when using your card safely: 1. Credit cards must not be used by strangers (the bank stipulates that it can only be used by yourself, not by couples). 2. If you find that your credit card has been lost, you must report the loss promptly. 3. Keep the SMS verification code on your mobile phone. No matter how the other party asks for the SMS verification code, do not give it to them.

The credit card is clearly in my hand, how could it be stolen?

The reason why the credit card is stolen due to someone else stealing the information is largely due to the cardholder’s negligence and awareness of prevention. caused by low. There are several possibilities for information being stolen:

1. The printed receipt is not destroyed when making transactions at the ATM because there is information on it;

2. Someone is present during the transaction Peeping at your password and password from behind;

3. Going to the bank website in an Internet cafe, and the password was recorded;

4. Telling an acquaintance your credit card information, and the acquaintance stole it .

In recent years, cases involving personal information leakage have attracted more and more attention! Speaking of information security, smart friends must know that they need to protect their card passwords and personal information, but do you know how to fill in the information when applying for a card to protect your personal information and avoid card theft?

1. Fill in your frequently used number on the application form via mobile phone

Mobile phone is the main tool for activating credit cards and setting credit card passwords.

The bank will also send credit card-related text messages to the mobile phone number reserved by the customer. If the application form fills in someone else’s mobile phone or company group number, there are hidden dangers.

Once other people get the card, they can activate and use the card. They can also know the card status in real time through text messages and handle various voice self-service services through the mobile phone number, which will cause the risk of card theft due to leakage of card information. It seems to be a good habit to have your mobile phone with you at all times.

2. Fill in your usual mailing address

The credit card letter includes highly private information such as the credit card, validity period, verification code on the back of the card, and credit limit.

If the mailing address is not your usual address and the card is intercepted or falsely claimed by others, the direct consequence of the card information being leaked is theft; after applying for a card, follow the official website at any time to check the progress of card application and card mailing in real time. situation to prevent others from pretending to claim it; also remember to fill in your email address that you commonly use, and try to avoid filling in your work email address.

3. Be wary of the “boss” digging holes for you

Currently, young people have become the main customer group for credit cards. Who doesn’t have a credit card would be embarrassed to go out and play!

The young two-dimensional people seem to be keeping up with the trends of the times, but they really lack social experience and are easily deceived. When you first join the company, your "boss" tells you that you have business dealings with the bank, and insists that you fill out a credit card application form, use the company's office mobile phone as a reserved mobile phone number, and even take a photo of your application form as a souvenir. Jiaojiao reminds you that this is very unscientific, please SAYNO! Otherwise, fraud is just around the corner.

4. Indicate the purpose on the copy

When applying for a card, it is inevitable to submit a copy of your ID card and work permit. However, there are people specifically watching them. Jiaojiao also wants to tell you that when providing a copy of your personal identity document to apply for a credit card, it is recommended to indicate the purpose of use on the copy, for example: "Only for applying for a Bank of Communications credit card." Prevent copies of ID documents from being used for other purposes.

Finally, I would like to remind everyone that if you want to apply for a credit card, you must submit the application to the bank through formal channels. After application, you can check the card application progress through the official bank credit card website, bank credit card APP and other formal channels; get the card Finally, you should also keep your bank card transaction password and query password, and pay attention to changes in your account!

Will the credit card password be stolen if others know it?

Some cardholders asked if their credit card password was accidentally known to others, and would it be stolen by others. In fact, the credit card password is only an integral part of credit card security. If you just know the password, it will not be stolen. However, just in case, it is recommended that you change your password, be sure to use the card safely when using the card, and pay attention to some card usage matters.

A credit card includes the card-issuing bank, cardholder’s name (signature), card-issuing organization, card validity period, security code and other information.

The security code is the most important one. It is an important basis for confirming whether the card owner is doing the transaction. Its importance is almost equal to the transaction password. If the password is accidentally known to others, , we must prevent the security code from being leaked, otherwise it will be easily stolen by others.

In addition, in order to prevent credit card theft, the following eight points must be done:

1. When swiping a card for consumption, if you want to sign, be sure to carefully check the signature on the bill. Only after confirming the amount is correct can you sign in the signature column of the bill. Make sure it is consistent with the signature on the back of the credit card.

2. Keep the card away from your body, especially in restaurants and entertainment venues. Do not let the card out of your sight to save trouble, nor lend the card to others.

3. When entering the password, you should try your best to cover the operating gestures with your body or other hand to prevent criminals from peeking.

4. Please try to keep the stub copy of the merchant's bill for verification with the bank card statement. If an abnormal situation occurs, such as repeated card deductions, etc., you can contact the bank in a timely manner with the transaction documents and statements.

5. In order to detect abnormal transactions in time, you can also enable SMS notifications or set consumption limits.

That’s it for the introduction of whether credit cards will be stolen.