How do strange credit card bills appear?

Some cardholders reported that some strange bills appeared in their credit card consumption records. For example, they did not spend money in restaurants, but they left Card swiping records. Does this mean that the credit card has been stolen by someone else? If not, how do these strange credit card statements appear?

What is a strange credit card statement?

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Obviously the purchase was at a KTV, but the card swiping record was for consumption at a restaurant;

Obviously the purchase was at a mall, but the card swiping record was for consumption at a KTV;

Appeared This phenomenon does not mean that your credit card has been stolen by others. The root cause of this situation lies in the POS machine itself. In other words, the POS machine you used to swipe the card is some POS machine with a set code.

Pos machine codes will lead to strange bills

The so-called code packages are low-rate POS machines that merchants apply to save handling fees. For example, if you swipe a card at a KTV and you swipe 100, the merchant will be charged a handling fee. However, if the merchant uses a supermarket type code machine, then he only needs to pay an even lower handling fee, saving most of the handling fee. This is why you clearly saw that the receipt showed xxx Entertainment City, but when you called the bank customer service to check, it said that you bought something in a supermarket.

What harm will the POS machine code set

Normally speaking, the POS machine code set will not harm the credit card, but will cause abnormalities in the consumption record when the user swipes the card. It will not affect the security of your credit card. However, it has been found that long-term use of POS machines that can set codes to swipe credit cards will lead to the following results:

1. Points for small amounts, but no points for large amounts

2. Very few The bank has points

3. Change the name of the bill for large amounts

4. Be subject to risk control, reduce the limit, or block the card

So, it is recommended that you use your credit card before Be sure to consult the merchant in advance whether it is using a code-encrypted POS machine to avoid strange credit card bills, which will eventually have some negative impact on the credit card.

Can bank card transfer records be faked?

This is not allowed. Forging bank transfer records is suspected of forging and altering financial instruments.

Article 177 of the Criminal Law of the People's Republic of China and the People's Republic of China who, under any of the following circumstances, forges or alters financial instruments shall be sentenced to not more than five years or criminal detention, concurrently or solely A fine of not less than 20,000 yuan but not more than 200,000 yuan; if the circumstances are serious, a fine of not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the circumstances are particularly serious, a fine of not less than 10 years but not more than 5 years. A fine of not less than 10,000 yuan but not more than 500,000 yuan or property confiscation:

(1) Forging or altering bills of exchange, promissory notes, or checks;

(2) Forging or altering entrustments Collection vouchers, remittance vouchers, bank deposit certificates and other bank settlement vouchers;

(3) Forging or altering letters of credit or accompanying documents and documents;

(4) Counterfeit credit card.

If a unit commits the crime in the preceding paragraph, the unit shall be fined, and the person directly in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.

1. Characteristics of the crime of counterfeiting and altering financial instruments

1. The subject of the infringement is the national fiscal instrument management system.

2. Objectively speaking, it is the violation of regulations to issue letters of credit or other letters of guarantee, bills, deposit certificates, letters of credit, etc. for others, causing heavy losses; "violation" refers to violation of relevant financial laws, administrative regulations, and rules and regulations and business rules formulated by banks and financial institutions. "For others" includes not only natural persons but also entities. "Letter of guarantee" refers to the letter of guarantee issued by the bank to the beneficiary at the request of the applicant when handling customer guarantee business. "Instrument" means a financial instrument. "Certificate of Deposit" means a bank certificate of deposit.

"Letter of credit" refers to documents that provide proof of the customer's property status, repayment ability, creditworthiness, etc. Causing greater losses to other relevant individuals or units.

3. The criminal subject is a special subject, that is, the staff of a bank or other financial institution. The unit may also be the subject of this crime. The subjective aspect is intentional.

2. What is a transfer voucher

A transfer voucher is an accounting voucher used to record other economic transactions other than cash and bank deposits. Fill it in based on the original voucher of the transferred business as the basis for registering relevant account books. The accounting vouchers used to fill in the accounting entries of the transfer business are filled in or summarized according to the original vouchers of the transfer business (that is, all businesses that do not involve the receipt and payment of cash and bank deposits). The transfer voucher is the basis for registering the relevant sub-accounts and general ledger.

Requirements for filling in transfer vouchers: Transfer vouchers are usually filled in with original vouchers related to the transfer business. Fill in the general ledger accounts and sub-ledger accounts that should be borrowed and lent, and fill in the corresponding amounts in the corresponding amount columns on the same line according to the debit and credit directions. Accounting vouchers are divided according to the economic business content they reflect. Usually it can be divided into receipt voucher, payment voucher and transfer voucher.

How to identify authentic and fake credit card statements?

There are many kinds of data on the credit card statement, but as long as you grasp the "amount due for the current period", "minimum payment amount", "due payment date", "cash advance" "Amount" and other most important data in these columns will help you understand the bill clearly.

1. "Amount payable in this period" is the amount to be paid on the latest repayment due date. There will also be a column "Minimum Repayment Amount" next to it, which is usually 10 of the amount due. If the financial strength allows, it is recommended to pay the "current period" in full.

2. The "amount due" can also be repaid according to the "minimum repayment amount", which can not only ensure personal credit, but also continue Use your card within the available overdraft limit

3. "Cash advance limit" refers to the limit that the bank authorizes the cardholder to withdraw cash from an ATM machine. Generally speaking, the cash advance limit. It can be set according to the cardholder's card usage needs, and it is included in the total overdraft limit of the credit card. Unlike a debit card, you need to pay interest when using a credit card to withdraw cash within the "cash advance limit", which is about 0.5% per day. , In addition, some banks also require payment of handling fees, so it is recommended to understand the charging status before using a credit card.

How to check the authenticity of the bank transfer electronic receipt?

Can you check the authenticity of the bank transfer receipt? Check the official website of the bank where the transfer was made.

Take China Construction Bank as an example. Log in to the official website of China Construction Bank, click on "Company Organization", click on "E-Reply" and enter the corresponding information of the bank's receipt "Reply Type, Payment" Account, detail number, transaction serial number, transaction date, and then enter the verification code." After filling in, click "OK" to check whether the electronic receipt on the bank's official website is consistent with the electronic receipt you received.

1. How to apply for a credit card electronic statement?

When a customer applies for a credit card, the "electronic statement" column on the application form mainly requires the customer to provide their personal email address so that they can use the credit card in the future. When issuing a bill, the bank sends an email containing the current month's statement to the customer. Therefore, the customer only needs to fill in his or her usual email address.

There are generally no restrictions on the email address type, such as NetEase email, QQ email, etc. are acceptable (subject to bank regulations). As for the format of filling in the email address, it is usually: username@maildomain.com

2. Email for receiving electronic bills. What is it?

When applying for a credit card, there will be an email address to fill in. This email address is mainly used to receive electronic statements from the credit card, so this email address is called the electronic statement receiving email address. Your mailbox will receive the current credit card statement from the bank on the billing day. After logging in to your mailbox, you can quickly check billing information or related strategies.

The electronic bill receiving mailbox is free to receive electronic bills. Although some credit card application mailboxes are not required, the display of electronic bill information is very comprehensive. When applying for a credit card, fill in an mailbox number to receive electronic bills. Bills are still necessary.

3. I would like to know if it is possible for the online banking transfer electronic receipt receipt to be fake.

The online banking transfer electronic receipt receipt may be fake. Those sent are usually screenshots, and many software can now fake such screenshots. The Online Banking Transfer Receipt Receipt Generator can generate the entire transfer process diagram of mobile banks such as Agricultural Bank of China, China Construction Bank, China Merchants Bank, Industrial and Commercial Bank of China, Bank of China, Bank of Communications, Minsheng Bank and Postal Bank with one click just by entering information. Including input information diagrams, confirmation data diagrams, transfer success diagrams, receipt diagrams, receipt orders, etc. The operation is simple, and the software comes with template data. After inputting the data, the result chart will be generated in seconds.

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This is the end of the introduction on how to make fake credit card statements and how to make fake statements. I wonder if you have found the information you need?