How to identify the authenticity of a credit card

There are several ways to identify the authenticity of a credit card: 1. Look at the back of the credit card. There is usually a customer service number of the credit card company on the back of the credit card. Citizens can call it. If the system prompts that ++ is invalid, it means that it is a counterfeit card. 2. Look at the plastic film. The surface of the real card is smooth and the card material is relatively elastic. When the card is illuminated by a purple light, the bank logo or the name of the card issuer will appear, which is a laser anti-counterfeiting label; the surface of the counterfeit card is rough, the color is easy to fall off, and the negative film generally has no anti-counterfeiting design. 3. Look at the printing. The color of the real card is bright and bright, the words are clear at a glance, and the stripes on the card are neatly arranged; the words on the fake card are usually blurred, the color is uneven, and the stripes on the card are not neat, making the overall look very uncoordinated. 4. Look at the imprint. The uppercase English letters of the real card++ are neat and orderly; the imprinted numbers and the English letters of the fake card are not neat or have different sizes, and some of the old ++ that has been altered can even be vaguely visible.

If the credit card held by a customer is stolen due to counterfeit cards, which of the eight rights of consumers is infringed?

Which of the eight rights of consumers is infringed? right to property security.

Financial institutions shall safeguard the property security of financial consumers in the process of purchasing financial products and receiving financial services in accordance with the law.

Financial institutions should operate prudently, establish strict internal control measures and scientific technical monitoring methods, strictly distinguish between the institution's own assets and client assets, and must not misappropriate or occupy client funds.

How to prevent credit card fraud? Start from three aspects

Nowadays, many credit card fraud incidents are caused by criminals using stolen credit card information to make counterfeit cards. For merchants, if the counterfeit cards are not identified, they need to Bear the cardholder's losses caused by theft. The following will teach you how to prevent counterfeit card theft from several aspects.

1. Look at the card:

When the customer provides a credit card, you can identify whether it is a counterfeit card based on the card's validity period, the beginning of ++, etc.

As for the validity period, the general format is "MM/YY", that is, "month/year". Just look for the number with "/" on the front of the card. If the format is wrong, or the validity period If you pass, it must be a counterfeit card; ++, the UnionPay cards that can be swiped at domestic POS machines are all UnionPay cards starting with 62. If you encounter any other numbers starting with 5 or 3 or 4, it is definitely a counterfeit card.

2. Look at the signature column:

If the cardholder’s signature is required after swiping the card, be sure to check whether the signature behind the signature column is consistent with the signature on the shopping list. If so, If there is no signature in the signature column, or the reserved signature is unclear or has been altered, or it does not match the signature on the shopping list, you must call the card issuing bank to confirm. If the transaction is a counterfeit card, you can apply to the card issuing bank for cancellation.

3. Check the POS receipt after swiping the card

After swiping the card, check the information on the credit card with the information on the POS receipt, mainly based on the card issuing bank, credit card++, etc. ++ is consistent. For example, if the issuing bank on the credit card is Industrial and Commercial Bank of China, but the card bank shown on the POS machine shows China Merchants Bank, or if the credit card ++ and the ++ on the POS machine do not match, there is no doubt that it is a counterfeit card.

The above is the relevant introduction on "How to prevent counterfeit credit card theft". I hope it will be helpful to everyone. In short, the key to preventing counterfeit credit card theft is to identify the counterfeit card as soon as possible. Otherwise, once a counterfeit card is used for a transaction, the merchant will have to take the blame for the criminals.

Attention! Leaking the last three digits of a credit card may be used for overseas online shopping.

"Account theft" and "Trojan horse phishing" are the two largest types of known online shopping risks. However, banks have recently discovered a "new bottle" "Old wine" style credit card++, "Taobao people" should pay attention!

Case

Feifei, a white-collar worker working in Guangzhou, is an out-and-out "Taobao lover" and has not had any problems with "Taobao" for several years. However, at the beginning of the year, there was an unreasonable increase of US$2,087 on the credit card bill. After checking it out, I found that I had also fallen in love with online shopping++!

After investigation, it turned out that Feifei placed an order and paid at a purchasing agency during an online shopping trip. However, not long after placing the order, she received a call from the seller claiming that the product was out of stock and asked her to provide her credit card++, expiration date, last three digits of the credit card and other information for return.

Believing it to be true, Feifei provided the relevant information. Later, when she received a transaction text message from the bank, she realized that her card had been maxed out on an overseas website. At present, Feifei is still waiting for the results of the police and the bank.

Credit card++ is disguised as online shopping

A credit card security expert from a bank said that online shopping++ is currently in a trend of frequent occurrences, accounting for nearly 50% of the entire online++ cases, such as this Credit card ++ disguised as online shopping is a new situation that has emerged recently. Criminals generally use fake online store sellers to contact buyers by phone or online instant messaging tools, and use excuses such as product returns and system upgrades to defraud cardholders' credit card information. If criminals also steal other identity information of cardholders, , causing the financial risk to escalate exponentially. This method is different from the common "Trojan horses" and "phishing" methods that directly defraud buyers of money. They use the stolen information to create fake cards and clone cards, and then go to overseas shopping websites for crazy spending.

“Many cardholders think that as long as the credit card has a transaction password, they can sit back and relax, but in fact, many overseas websites or physical stores do not require a password when swiping their cards.” The security expert said that it is particularly worthwhile It should be noted that some cardholders are confused by agents or intermediary companies and submit credit card application materials to banks through agents or intermediary companies. This in itself is an act that involves risks. "Many illegal agencies keep cardholder information privately, paving the way for later fraud."

What should I do if fraud or fraud occurs?

After a cardholder receives a text message from the bank or the statement shows that there is a fraudulent transaction on his or her card, the cardholder should immediately call the card-issuing bank and cooperate with the card-issuing bank to provide relevant materials and conduct follow-up investigations.

Generally speaking, there are two situations of fraudulent use. If it is a counterfeit card fraud, in principle, the cardholder will not be responsible for the financial losses caused by reasons other than the cardholder after investigation, but the specifics will depend on the various liability situations. If the credit card is stolen due to loss, the cardholder should report the loss immediately. The cardholder will still be responsible for the financial losses incurred before the loss is reported, and the bank will bear the financial losses after the loss is reported.

For credit card fraud, the current common practice in the industry is that banks bear at least half of the losses.

How to distinguish real and fake credit cards? How to distinguish wild cards?

Most counterfeit cards now are achieved by rewriting the magnetic strip on the invalid card, so the method of going to an ATM or POS mentioned in answer 1 is incorrect. The identification of cards by these machines is limited to reading the card's magnetic stripe data. Now regarding how to identify the authenticity, I will borrow the answers from other netizens:

Methods for identifying the authenticity of international Visa cards. Recently, the Jinjiang Municipal People’s Court proposed the method for identifying the authenticity of international Visa cards. Pay attention to the following four points:

1. The real Visa has an internationally unified security design. Member banks and approved manufacturers must abide by the regulations. Common counterfeit credit cards on the market have security designs on the cards that are consistent with the same. The real card does not match.

2. The bank identification number (i.e. the first six digits of the Visa card account number) represents the ID number of the Visa issuing bank. The bank name printed on the fake card usually does not match the bank identification number.

3. The (Flying Pigeon) hologram attached to the real Visa is three-dimensional and manufactured by two recognized manufacturers in the United States and the United Kingdom. Common fake credit cards on the market have the (Flying Pigeon) hologram attached to them. , generally two-sided and three-dimensional, inconsistent with the real card.

4. Surrounded by the Visa blue, white and gold logo is a micro-printing, which prints the first four account numbers on the card, the card type and the approved manufacturer code. Common fake credit cards on the market, large Most are not microprinted.

The legal provisions regarding credit card++ are:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft.

Hope this helps you

When accepting a visa international credit card, you can tell whether the card is a fake or counterfeit card based on what happens.

When the ++ displayed on the POS machine is different from the ++ displayed on the actual card, and the validity period, cardholder name, etc. on the printed form are different from the highlighted content on the card, it can be initially judged to be fake. Card or Counterfeit Card

This concludes the introduction to counterfeit credit cards and counterfeit credit card information. Have you found the information you need?