refers to the three Arabic numerals marked on the back of the credit card (debit card), which is the security code of the credit card (debit card) when it runs online or telephone transactions, and is usually used to prove that the payer owns the credit card (debit card) when making transactions. The identification code of a credit card (debit card) is equivalent to the ID card of a credit card (debit card), which can be used to run consumer transactions.
Recently, Mr. Wang, a citizen, received a strange phone call. The other party claimed to be a staff member of a bank. At present, the bank is checking the customer information of credit card (debit card). If it meets the requirements through verification, the credit card (debit card) can be increased. "I happen to have a credit card (debit card) of this bank, so I asked." Mr. Wang said that the other party asked him to supply the card number and the identification code on the back of the credit card (debit card). During the dialogue, Mr. Wang found that the other party was unprofessional and had doubts, so he did not disclose it. "When I hung up, I searched the Internet and found that this was one." Mr. Wang said that there are many news about stealing credit cards (debit cards) by taking card numbers and identification codes on the Internet. Yesterday, I found out on the Internet that similar credit cards (debit cards) have been stolen in many places in China. In Shanghai, Zhejiang and other places, tens of thousands of dollars have been stolen from citizens, and even a citizen of Guangzhou, whose family and card are in China, has been stolen from abroad for thousands of dollars. This kind of card takes the cardholder's card number and identification code as the main means, and it is easy to be credulous because it does not involve more private information.
"This method does exist at present." Yesterday, when consulting ICBC's customer service by telephone, the staff said that the information on the credit card (debit card) leaked out and there was also the risk of being stolen. The staff member said that there are two main ways to spend credit cards (debit cards). One is offline payment, and cardholders swipe their cards and sign authorization on pos terminals such as shopping malls and supermarkets to complete transactions. In recent years, an "offline transaction" has emerged in domestic e-commerce platforms. When cardholders trade online, merchants can supply credit card (debit card) account number, identification code and expiration date through pos system. The staff said that this payment method is faster, and at the same time, general foreign credit card (debit card) consumption can also achieve card-free and password-free consumption.
Yesterday, I logged into several e-commerce platforms and found that some platforms have opened up the function of fast payment. Using fast payment requires bank verification, but only the card number, expiration date and identification code of the credit card (debit card) can be provided to complete the verification, and then a mobile phone number can be registered on the platform. When purchasing goods, the payment can be completed through the verification information received by the mobile phone.
It is noted that there are no procedures such as cardholder's identity authentication and credit card (debit card) password in the above process. As long as accurate card information is provided, consumption can be completed. "In this way, criminals can directly steal customers' credit cards (debit cards) online." The staff member said.
Yesterday, I saw on the back of several credit cards (debit cards) that there were 7 digits on the sealing strip, of which the last 3 digits were the identification code. In several credit cards (debit cards) inquired, all cardholders did not perform masking processing on this group of numbers.
"I really didn't know it was risky." Ms. Zhang, a citizen, said that she thought that the information on the credit card (debit card) was not private information, and even if it was known by others, there was no danger. Mr. Zhang, a citizen, has two credit cards (debit cards), which have been opened for five or six years. He rarely uses credit cards (debit cards) for online transactions. "I didn't know that credit cards (debit cards) have such a fast payment function." However, in recent days, Mr. Zhang found a lot of tips on the Internet, and he realized the risks.
ICBC staff reminded cardholders to raise their risk awareness. When receiving a phone call or text message to check credit card (debit card) information, they should pay attention to the calling number or related information. All major banks have a fixed customer service hotline number. If the calling number does not match it, they should give up the operation. In addition, the cardholder can directly contact the customer service of the bank to determine whether the relevant information is accurate.
users of credit cards (debit cards) should pay attention to protecting their card information, and appropriately block the card information related to identification code, expiration date and card number to avoid information leakage. Personal ID number, birthday and other information should also be kept confidential as much as possible. Credit cards (debit cards) should be used only by the cardholders themselves, and credit cards (debit cards) should not be lent to others.
once it is determined that the information on the card surface of a credit card (debit card) is leaked, the cardholder should immediately go to the card-issuing bank to report the loss. According to relevant industry insiders, the function of loss reporting cards is that some cards come with loss protection services, which can prove that non-personal transactions can be exempted from repayment within a certain period of time before loss reporting.
in addition, to temporarily adjust the credit card (debit card) limit, the cardholder must call the credit card (debit card) center to apply, and it will be effective in a short time after it is approved by the bank, and the limit will be adjusted back after it expires. The above process will not be completed on the website or by telephone, so don't believe some callers who say that they can increase the credit card (debit card) limit.