Why credit cards are stolen

One of the very important reasons why credit cards are stolen is that the card owner does not pay attention to the protection of credit card information in daily life, resulting in the loss of credit card related information. After being leaked, criminals use this information to counterfeit credit cards and use them for consumption. In the end, the credit card is stolen. It may also be because the credit card is lost, but the card owner fails to report the loss in time. After it is picked up, it is used by others, and theft occurs. Brush situation. Another important reason is that when card owners use credit cards for consumption, criminals will place a machine under the card swiping machine that can master magnetic card information, and criminals can use this to imitate the credit card for consumption.

Credit cards can be divided into bank cards and non-bank cards according to different card issuers

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards

Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally. That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally.

Quasi credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide. The five major overseas groups (MasterCard, Visa International, American Express, JCB and Diners Club) issued MasterCard, VISACard, American ExpressCard and JCB respectively. (JCBCard) and DinersClubCard are mostly international cards.

Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.

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.

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.

This is the end of the introduction about how credit cards are stolen and credit cards are stolen. Have you found the information you need?