Official document number 054297 says that you have applied for a bank card with your ID card and have an overdraft of more than 10,000. This is a scam call. If the other party continues to harass you, please call the police in time.

1. Bank card functions

Bank cards (BankCard) are issued to the society by commercial banks and postal savings and remittance institutions. They have all or all functions such as consumer credit, transfer settlement, cash deposits and withdrawals, etc. Credit payment tool with some functions. A bank card is the basic voucher for depositing money into a bank. Starting from the end of October 2014, the use of bank cards in China will say goodbye to the "swipe" card era and shift to the safer "insert" card era. In 2015, the issuance of new magnetic stripe bank cards will be gradually stopped. Starting from December 1, 2016, individuals who transfer money through self-service teller machines can apply to the card-issuing bank to cancel the transfer within 24 hours after the card-issuing bank accepts the transfer.

2. How to prevent bank card theft

1. Change to chip card

Although banks have taken a series of security measures to protect the safety of customer funds, However, in today's era of information explosion, customers' strengthening of their own information protection is still the most effective and necessary line of defense to protect financial security. According to statistics, most of the bank cards that have been stolen are magnetic stripe cards. Bankers said that because magnetic stripe card technology is no longer a secret and is now used in many fields such as access control cards, it is very simple to clone a magnetic stripe card, and the security is naturally relatively poor. It is a good choice to replace the magnetic stripe card with a chip card. So far, there has been no case of chip card being stolen. Because the chip card information is dynamic, the chip is a small computer, and the check value is different each time, so the possibility of copying is small.

2. Do not keep bank card information when making purchases

And when shopping or consuming on websites or mobile phones, try not to keep bank card information. For example, some websites have previously exposed The user's CVV code, this set of codes is intended to be a tool for the cardholder to prove that the card is in the hands of the cardholder when they are not face to face with the merchant, because only the card holder can see this set of codes, but if the website stores this information, Once leaked, there is a possibility of being stolen.

3. Do not give your mobile wallet to others for use

Consumers must be careful not to give their mobile wallet carriers (such as SIM cards, SD cards, mobile phones, etc.) to others for use. Consumers must pay attention to properly keeping personal identity information, bank card information, various financial service passwords, verification codes and electronic tokens, etc. Download financial service applications through formal and safe channels, and be careful when connecting to unknown network hotspots or clicking on website links. Regularly modify various passwords in financial services, increase password complexity, and strengthen password security.

4. Separate consumption and savings cards

Separating daily consumption and savings cards is, in the opinion of many people in the industry, one of the important ways to reduce losses when a card is stolen. one. Some experts also said that when swiping a card for consumption, it is better to use a credit card rather than a debit card. After all, bank credit cards have relevant compensation guidelines for fraudulent use, which can minimize the losses of cardholders.