How can the credit card in your hand be stolen?

When criminals steal credit card related information, criminals can still steal the card even if the card is still in the user's hand. The main reasons for fraud are that other people's ID cards were used when applying for the card, criminals obtained the credit card information, and the cardholder accidentally disclosed the password, etc. It is best for users to replace their magnetic stripe cards with chip cards to improve the security of their credit cards.

Also close small-amount password-free payments, and try to require a password for every purchase. This way, even if the card is dropped and picked up by others, you still need to enter the password before you can make a purchase.

How to protect personal information by filling in information when applying for a card

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

The mobile phone is used to activate the credit card and set the credit card password main tool.

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 lead to 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! 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 ID to apply for a credit card, it is recommended to indicate the purpose of use on the copy, for example: "Only for applying for Bank of Communications credit card". Prevent copies of ID documents from being used for other purposes.

The reasons why credit cards are stolen

There are bank reasons, technical reasons, cardholders' own reasons for users' bank cards being stolen, and they are also related to the credit reporting system of our country. Not sound.

From a bank's perspective, due to competitive pressure, bank staff blindly pursue the expansion of deposit and loan businesses and ignore the review of cardholders, resulting in a large number of misappropriation of other people's information to apply for credit cards, leaving Safety hazard. Strict credit card review affects the purity of credit cards.

In addition, the relaxation of banks’ strict control over the use of credit cards is also an important reason. Being able to make purchases without a card or password has become a major drawback of credit cards. Take phone booking as an example. To purchase a ticket through a credit card, you only need to provide a few information such as the credit card validity period, the last three verification codes, the cardholder's name and ID number, and the user can complete the cardless payment. Although it is convenient and convenient to use, security vulnerabilities are indeed worrying.

From the perspective of ordinary cardholders, cardholders have some wrong card usage habits because they do not know enough about banking services. Cardholders often prioritize convenience over safety when using credit cards, do not strictly abide by the relevant provisions of credit card regulations, and do not cooperate with the credit card risk management work of the card-issuing bank. For example, some cardholders do not set a password or set a password that is too simple. Once the credit card is stolen or lost, it can easily be cracked by others for consumption or overdraft behavior;

In addition, because the cardholder Improper handling of credit cards, such as not canceling expired bank cards in time or failing to promptly report the loss and reissue if lost, will also give criminals an opportunity.

What is the principle of credit card skimming?

The principle of credit card skimming is that someone else steals your credit card or your credit card information, and then conducts transactions through your credit card. Or obtain your credit card's magnetic stripe information, create a new credit card, and then use the card swiping device to make purchases. There are many ways to obtain credit card magnetic stripe information. For example, when you make a purchase, someone uses a card reader to read the information, or when you pay online, the information is stolen. Today's magnetic cards are easy to read and write if stolen.

The reasons for credit card swiping may be that the credit card is lost and swiped, or it may be caused by the leakage of credit card information, or someone may have stolen your credit card. The cardholder does not need to repay the debt due to credit card fraud. Under normal circumstances, the debt owed by credit card fraud is borne by the perpetrator, and the public security organs will recover the stolen money. Therefore, when encountering credit card fraud, cardholders must report the case in time to avoid greater losses.

How credit cards are stolen.

1. The card is swiped

When swiping a credit card, the payee needs to perform a "swipe" action on the card swiping machine. And some people may take advantage of this time to use a machine similar to a credit card machine to steal your card. When you enter your password, it may have been monitored. In this way, after the other party issues a new card and knows your password, they can steal your credit card.

2. The number on the back of the card is leaked

There are 7 digits on the back of the credit card, which are the 7 digits on the magnetic strip. The last three digits of this 7-digit number are also called CVV2. Some online payments only require these 7 digits or CVV2, plus the validity period of the card to make the payment. Therefore, if the number on the back of the card is leaked or peeked by someone when using the card, they will use this method to steal your credit card.

3. Enable password-free payment

If you are a person who often uses credit cards, you like to pay with credit cards no matter how large or small. For example, when you go to the supermarket to buy hundreds of items quickly and use a credit card, for convenience, you may enable PIN-free payment for small or large amounts. We know that in addition to magnetic stripe cards, credit cards also have chip cards. Chip cards do not need to be swiped in the card slot of the card swipe machine like magnetic stripe cards. Instead, they can be placed directly on the card swipe machine and the payment will be made, just like usual. Just like a subway card, you can pay with just one tap without entering a password. And some people will take advantage of this convenience and bring some kind of machine to rub against you in a crowd, or when you are crowded in the subway or bus, so that you can steal your credit card.

4. Bind with WeChat or Alipay

As popular as credit cards, there are WeChat payment and Alipay payment. For convenience, most people bind their credit cards to Alipay or WeChat. We also know that surveillance is installed in many places. If someone accidentally peeks into your WeChat or Alipay password when paying, they can log in to your WeChat or Alipay and steal your credit card.

5. Clicked on the link with the virus

Everyone knows that Internet red envelopes are red envelopes sent through the Internet. After you click on them, you can receive the payment from the other party. In addition to sending red envelopes to friends, you can also send red envelopes to strangers in QQ groups and WeChat groups. Of course, strangers can also send red envelopes to you. And some people will take advantage of the pie-in-the-sky thing to send you red envelopes or links to get money. After you click on these links, the other party may install viruses on your phone or computer and steal your passwords. Wait, so that your credit card can be stolen.

6. The verification code was leaked

When we consume online, there is a consumption method called quick payment. You do not need to log in to WeChat or Alipay. Enter the last 6 digits, and then Enter the password verification code and you can pay immediately. Because the password of a credit card is 6 digits, some people may set the password to birthday, mobile phone number, etc. for convenience. These passwords can be easily deciphered. Once the password is cracked, only the verification code is left. If you tell someone the verification code online or over the phone, the other party can steal your credit card.

7. The mobile phone has been used by others

Sometimes, we will meet friends or strangers who say to you: The mobile phone is out of battery, the mobile phone is missing, I can borrow your phone to make a call. one time. After you lent your phone, you didn't stare at the other person all the time.

This kind of embarrassment may be taken advantage of by some people. He can get your verification code through the mobile phone, or use your Alipay or WeChat to pay directly. After using it, delete the payment records and text messages. Just like that, your credit card was stolen without you being prepared.

8. Mobile phone or mobile phone number is stolen

Nowadays, mobile phone number is like people’s ID card, which is becoming more and more important. This is because a mobile phone number is not only a tool for people to communicate with each other, but more often than not, it is because the mobile phone number is bound to a bank card. Through the mobile phone number, you can modify the password of the bound bank card, and you can also make various modifications to the bound login account. It can be said that the mobile phone number is the master key to funds. Therefore, if the mobile phone or mobile phone number is stolen, some people will unbind your mobile phone number, or intercept your verification code directly through your mobile phone. With the verification code, Then you can steal your credit card.

What are the reasons why credit cards are stolen? Avoid these to reduce losses

Every year there are many news reports that credit cards are stolen, and usually the loss is borne by the cardholder. Today, let’s talk about the reasons why credit cards are stolen.

One of the reasons why credit cards are stolen: Irregular credit card swiping websites

Cardholders who like "online shopping" or "overseas shopping" should not be greedy for temporary gains in some small transactions. Many overseas credit card gangs choose these websites to steal accounts by swiping their cards on websites.

The second reason why your credit card is stolen: handing it over to someone else to use it on your behalf

When using a credit card, be sure not to hand it over to someone else to use it on your behalf, let alone give it to a store clerk for checkout. . Prevent people with "ulterior motives" from taking the opportunity to obtain relevant information on credit cards. In short, don’t keep credit cards out of your sight.

The third reason why credit cards are stolen: credit card information is leaked

The information on the credit card is leaked, such as the credit card, card expiration date, and security code, etc. This information is enough to be used illegally Use it to steal credit cards.

The fourth reason why credit cards are stolen: opening unknown links

The above are the main reasons why credit cards are stolen. Cardholders must pay attention when using them to avoid damaging their property. damage.

What are the forms of credit card skimming?

Credit card skimming means that criminals obtain the cardholder’s bank card or password through various illegal means, or only obtain the bank card, password and password. Other information related to the cardholder's identity characteristics, use this information to carry out illegal activities such as making counterfeit cards and impersonating the cardholder's identity to make purchases through POS machines, transfer money at ATM machines, and withdraw cash. Judging from the current cases published in judicial trials and reported by news media, credit card theft mainly occurs in the following situations: 1. Directly stealing credit cards and their passwords. Criminals install card-swallowing devices in ATM machines in advance to intercept real cards and peek at passwords; they interfere with cardholders while they are doing business and wait for opportunities to steal real cards. After obtaining someone else's credit card, you can withdraw cash at the bank counter or ATM machine, or swipe the card for consumption at a special merchant. 2. Steal credit card information and passwords. Criminals obtain the cardholder's card information by installing fake keyboards, cameras and other devices on ATM machines, self-service bank automatic door card readers or POS machines, clone a new card with the cardholder's information, and then Use cloned cards to withdraw cash or swipe card purchases; or use deceptive means such as phone calls and text messages to obtain the cardholder's credit card information and steal the amount. 3. Pick up or steal other people's credit cards, pretend to be the cardholder's identity, report the loss, cancel or change the password and then wait for an opportunity to steal or swipe the funds in the card. They are both thefts, but they are slightly different. And depending on the performance of the theft, the responsibility will naturally be different. After a credit card is stolen, the responsible party needs to be determined based on the actual situation. Of course, the responsible party will be different in different situations.

This is the introduction to how credit cards are stolen.