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.

The reasons why credit cards are stolen

There are bank reasons, technical reasons, cardholders' own reasons for users' bank cards being stolen, and they are also related to the credit reporting system of our country. Not sound.

From a bank's perspective, due to competitive pressure, bank staff blindly pursue the expansion of deposit and loan businesses and ignore the review of cardholders, resulting in a large number of misappropriation of other people's information to apply for credit cards, leaving Safety hazard. Strict credit card review affects the purity of credit cards.

In addition, the relaxation of banks’ strict control over the use of credit cards is also an important reason. Being able to make purchases without a card or password has become a major drawback of credit cards. Take phone booking as an example. To purchase a ticket through a credit card, you only need to provide a few information such as the credit card validity period, the last three verification codes, the cardholder's name and ID number, and the user can complete the cardless payment. Although it is convenient and convenient to use, security vulnerabilities are indeed worrying.

From the perspective of ordinary cardholders, cardholders have some wrong card usage habits because they do not know enough about banking services. Cardholders often prioritize convenience over safety when using credit cards, do not strictly abide by the relevant provisions of credit card regulations, and do not cooperate with the credit card risk management work of the card-issuing bank. For example, some cardholders do not set a password or set a password that is too simple. Once the credit card is stolen or lost, it can easily be cracked by others for consumption or overdraft behavior;

In addition, because the cardholder Improper handling of credit cards, such as not canceling expired bank cards in time or failing to promptly report the loss and reissue if lost, will also give criminals an opportunity.

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 cause 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 identity document to apply for a credit card, it is recommended to indicate the purpose of use on the copy, for example: "Only for applying for a Bank of Communications credit card." Prevent copies of ID documents from being used for other purposes.

That’s it for the introduction to why credit cards are stolen.