Credit cards and mobile banking are "consumed" for no reason. One of the more common reasons is that consumers inadvertently scan some QR codes, some of which are conducted by fraudulent means. Some consumers may come into contact with a pattern similar to QR code when shopping online, and the shopkeeper will tell consumers to scan a QR code to enjoy feedback. Moreover, fraudsters use these QR codes to implant mobile phone Trojans into the victim's mobile phone and automatically extract relevant information. In just a few seconds, private information such as mobile phone number, card number and password may be transmitted to others.

2. Pay attention to the protection of passwords and personal data.

It is recommended to change the chip card at the bank. Chip card is safer than traditional magnetic stripe card, and a small piece can hold many functions, which can effectively prevent stealing and cloning. Moreover, once the traditional magnetic stripe card passes through the ATM or POS machine, it will leave the magnetic stripe information. At present, the chip card has become the international general financial card consumption development direction.

bankers suggest that customers should change their trading passwords irregularly, whether overseas or at home, including customers changing their passwords for security reasons. Since the password is the key factor to ensure the security of the funds in the card, any transaction using the password is regarded as the cardholder's own doing.

In addition, according to insiders, the three numbers on the back of a credit card are collectively called "last three codes", also known as cvv codes, which are personal information of a customer's credit card. The card number, expiration date and service restriction code are generated by the coding rules and encryption algorithm of the issuing bank to prevent the card from being "cloned".

Therefore, many bank staff suggest that when using a credit card, the "last three yards" can be recorded in the "last three yards" and covered with adhesive tape to prevent leakage and ensure the safety of funds.