Tips for daily maintenance of credit cards

1. How to take care of credit cards?

Organize it regularly and put cards from the same bank together for easy access when using them. You can take the time to give each card a nickname, for example: a certain card is specially used for shopping when going out. Name it "Consumption Card", name a certain card for temporary withdrawals and transfers "Emergency Card", etc., depending on your personal mood.

Every time you go out, please do not put all your credit cards and ID documents in one wallet. Do not leave the wallet with credit cards in your coat pocket or leave it in the car. It should be kept in a locker or in a locker, but should be kept with you to meet daily needs.

Credit cards that are not commonly used should be kept at home or in other safe places, in locked drawers or cabinets, and must not be thrown away casually to avoid causing others to become greedy and steal later. If you swipe, you also need to bear the responsibility for failing to keep it safe, and the consequence will be a wasted loss of funds.

To prevent your credit card from being lost and used by others, it is recommended that you store your credit card, personal password and identity document separately. Remember not to tell others your credit card and expiration date to avoid being used by people with ulterior motives. Do not lend your card to others, otherwise it is easy for the bank to deduct the card, stop payment, lose funds, etc., or even cause debt.

Please also remember to copy the service hotline number of the card-issuing bank and keep it properly so that you can contact the card-issuing bank as soon as possible in case of an accident and avoid losses.

2. How to protect the magnetic stripe of a credit card?

Since the magnetic stripe is the main medium for recording bank card information, try not to put the card together with magnetic objects such as mobile phones and power supplies. Place each card separately to avoid being degaussed. The magnetic strip is relatively fragile, so do not put sharp objects such as bank cards and keys together to avoid scratching the magnetic strip. Don't put your credit card in your pants pocket to avoid bending the card and deforming the card surface.

How to prevent credit card from being swiped and you will no longer be afraid of it being swiped.

Credit card swiping is also a topic that often appears on major news websites, and more and more people are concerned about it. How to prevent credit card theft? Today I will introduce you some tips.

1. Remember the credit card CVV2 code

Credit card payment has two forms: card payment and offline payment. Offline payment can still be used for transactions even without a password. For example, on Ctrip.com, when purchasing air tickets through a credit card, you only need to provide the credit card, credit card validity period, credit card CVV2 verification code and cardholder ID number.

Remember the credit card CVV2 code, and then cover it with a sticker to eliminate the risk of being swiped from the source.

2. When swiping a credit card, always pay attention to the credit card

When using a credit card to make a purchase, our eyes should always be on the credit card to prevent the cashier from secretly using your credit card. . After swiping the card, you must promptly ask the merchant to return the credit card.

3. Do not lend your credit card to others easily

Maybe the other person has a good relationship with you and will not steal your credit card, but this does not mean that he will Take care to protect your credit card. To prevent accidents, try not to lend your credit card to others.

4. Report the loss promptly after losing your credit card

The above are some tips on preventing credit card theft. Everyone must protect their credit cards and prevent money from being stolen. damaged. Introduction,

You can apply for credit cards from various banks quickly and safely!

Common sense about credit card security protection

First, protect personal information to avoid leakage of personal information. Regardless of whether you have a credit card or not, you should properly keep your ID card and related information, such as name, birthday, ID number, home phone number, address, marital status, family members, education level, occupation and other information, and do not hand over relevant information easily. 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.

When applying for a second card, you need to 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 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 imitate the cardholder's signature with a high degree of consistency. If you have a signature on the back of the card, you can effectively avoid the loss of the card.

Third, keep the 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 at will to avoid leaking key information such as credit card and validity period.

Fourth, when shopping online, 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 use it, and close the online payment immediately after the payment is completed. Function.

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

Sixth: If your credit card is lost, you must 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.

Seventh, read the statement carefully. Banks will mail statements every month, and cardholders should read them carefully and keep them properly in order to detect misaccounts or fraudulent charges in a timely manner.

Eighth, you must 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.

Finally, I suggest that you keep your personal information safe and handle credit cards within your capabilities. As long as you make the most of it, one or two credit cards are enough. Otherwise, if you hold too many cards, you may not be able to take care of them, and you may easily lose your cards or forget to repay them, resulting in a bad credit record.

How to prevent credit card fraud? Just pay attention to these points

When you use your credit card every day, you will always hear about credit card fraud, which brings greater trouble to cardholders. Big loss. So how to prevent credit card fraud? Have you paid attention to it in normal times? Below I will give you a detailed introduction so that you can pay more attention when using your credit card on a daily basis.

To prevent credit card theft, you must first protect the credit card transaction password and make sure it cannot be leaked. Generally, it is best to use your hands to cover when entering the password for transactions using a credit card. At the same time, it is best to change the credit card transaction password at certain intervals, so as to effectively reduce the risk of being swiped.

To prevent credit card theft, you also need to avoid the leakage of card information, such as the expiration date and credit card security code. After knowing the above three information, the credit card can be used directly abroad, and the transaction can be completed without entering the transaction password. This is also the reason why credit cards are so easy to be stolen abroad.

In order to avoid credit card theft, users can scratch off the security code on the back of the credit card or use opaque tape to cover it when using the credit card on a daily basis. It should also be noted that when a credit card is fraudulently used, you should report it to the police promptly and recover your losses through the police. Generally, it is difficult to recover when the amount of fraudulent credit card fraud is small.

In order to avoid credit card theft, users must choose formal channels when applying for a credit card, which can effectively avoid the leakage of personal information. Generally, when applying for a credit card, you can go directly to a regular bank window, or you can also apply through the bank's official website. It usually takes about 30 days to apply for a credit card.

In order to avoid credit card theft, users should pay attention to whether the POS machines used by merchants are regular when using credit cards to make purchases, and avoid swiping cards on irregular POS machines. Furthermore, when using a credit card, try to use it yourself and avoid lending it to others. It's good if nothing goes wrong, but it won't be worth the loss if something goes wrong.

This ends the introduction on how to protect credit cards and how to protect credit cards from being stolen. Have you found the information you need?