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, which must be borne by the cardholder himself.

Baidu Encyclopedia - Credit Card

Is there any problem if the credit card is photographed?

It doesn’t matter if the front of the credit card is photographed. What matters is the back. There is a CVV2 code on the signature on the back. , fraud can be achieved on overseas websites through CVV2 codes.

It is illegal for non-bank institutions to ask cardholders for photos of the back of their credit cards, and they can call the police directly. The proof of credit card is just a bank logo and not much information. The back of the credit card has the CVV2 code and the expiration date of the credit card. The CVV2 code of a credit card is equivalent to the credit card password. Some overseas shopping websites do not require users to enter the payment password. They only require the cardholder's account number and CVV2 code to complete the payment. Domestic merchants also cooperate with banks and can complete phone transfers without a credit card password and only a security code.

The CVV2 code contains the card account number, validity period, and service code of the credit card. When criminals obtain the CVV2 code, they can use the CVV2 code to steal the money. The CVV information is stored in the magnetic track of the magnetic stripe bank card. Based on the track master account number, card-issuing bank logo code and other information, it is encrypted using CVKA technology to obtain the verification code. When a cardholder obtains a credit card, they should memorize the CVV2 code at the first time, and then make the CVV2 code invisible by covering or erasing it. Generally, only the bank and the cardholder know the CVV2 code, and the cardholder should not take photos. way to reveal your CVV2 code.

Is it dangerous to have the front and back of your credit card and ID card photographed by others?

Generally try not to give a stranger a copy of your relevant documents, but if you have already given it, we don’t know what others can do, but there is definitely a potential risk. For credit cards, the review is now relatively Strictly speaking, unless you look very similar to the person who photographed your ID card, you generally won’t be able to get it done.

Someone secretly took a photo of the front and back of my ID card and bank card. What are the consequences? Is it dangerous?

If the front and back of the ID card are photographed by others, there will be no risk and it will not cause other credit problems. Now all banks need to hold the original valid ID card to handle various businesses. If you can handle it, you won't be able to handle it if it's not you. Others can't do anything if they only have the front and back of their ID card, and they can't do bad things. The National Identity Card Law stipulates that whoever does bad things with someone else's ID card will be held accountable by the law. It has nothing to do with the ID card person. The ID card person is not responsible. Therefore, there is no harm if the front and back of the ID card are photographed. If there is no There is no problem if you sign it yourself, but others will enter your ID number. If it is usually not the original, you may go back and register some software, etc. Otherwise, there is no big problem.

: If someone has a photo of my ID card, can she make an online loan?

You cannot get a loan with only your ID card

1. Current ID card Most loans are credit loans, which means you can get a loan without a mortgage, but you can't get a loan just by using someone else's ID card. You need to have a certain amount of income proof, a stable job, and be able to prove that you can work on time. Repay the loan, have the ability to repay the loan, and have a stable job such as a civil servant, teacher, employee of a state-owned enterprise, stable entrepreneur, white-collar worker, manager, etc. ID card is only a necessary material for a loan, but the most important thing is to provide proof of income to prove that you are suitable for a credit loan; facial recognition, fingerprint recognition, etc. will also be used, so it is not allowed;

2. Currently, there is no loan product from banks that can be obtained with just an ID card. No matter what kind of loan, in addition to the ID card, at least one other supporting information is required. The ID card is just an indispensable item during the loan process. In addition, you must not pay any fees before the loan is received to prevent being cheated.

Someone secretly took a photo of the front and back of my ID card and bank card. What are the consequences?

1. There are the following types:

(1) The front and back photos of the ID card contain a person’s home address, ID number and other personal privacy. It is easy to leak the ID card photo. Personal private information is leaked.

(2) If the front and back photos of the ID card are leaked, criminals on the Internet will conduct real-name registration and real-name authentication on individual websites, which can easily affect personal credit.

(3) If the photos of the front and back of the ID card are leaked and illegally flowed into the hands of criminals, they may be used to register an account on an overseas shopping website. Any illegal crimes in the future will have an impact on the person.

(4) If the front and back photos of ID cards are leaked, criminals may sell citizens’ personal information such as ID cards and bank card information on the Internet to make profits.

2. What is a bank card?

(1) Bank cards refer to credit payment instruments issued to the society by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes. The application of the bank card automatic settlement system has made the dream of a "checkless, cashless society" a reality.

(2) Classification of bank cards Generally, bank cards are divided into credit cards and debit cards according to whether they provide credit limits to the cardholders. In addition, bank cards can also be divided into magnetic stripe cards and chip cards according to different information carriers; divided into domestic cards and overseas cards according to whether the issuer is in the country; divided into personal cards and corporate cards according to different issuing objects; divided into different account currencies. They are RMB cards, foreign currency cards and dual-currency cards.

(3) 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.

(4) 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.

(5) 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.

This is the end of the introduction about whether it is okay to have the front of your credit card photographed and to photograph the front of your credit card to others. Did you find the information you need?