Measure 1: Activate the payment reminder function

At present, the vast majority of overseas fraudulent transactions are discovered and processed by cardholders after receiving payment reminders from the bank. Therefore, cardholders must Before going overseas to make purchases, you should make sure that you have activated the SMS payment reminder on your credit card to ensure that you are notified of changes in the amount on the card as soon as possible. It should be noted that you must correctly reserve your mobile phone number when applying for a credit card. If your overseas mobile phone number changes, you should also call the bank's customer service hotline to update it in time, and actively activate the SMS reminder service for account changes. Staff at the China Merchants Bank Credit Card Center said that in order to ensure that cardholders can obtain consumption information in a timely manner overseas, it is recommended that cardholders who need to use their cards abroad activate the function of receiving cross-border text messages or phone roaming on their mobile phones in time before traveling, so as to smoothly receive bank information. Transaction information reminder sent. In addition, the bank will conduct real-time monitoring of credit card consumption information. If there is any major abnormality in the card swiping area or merchant, it will proactively contact the cardholder for confirmation. If the cardholder confirms that there is no problem with the card swiping, the bank will immediately confirm the payment. If the cardholder cannot be contacted due to communication problems, the card may be unilaterally frozen, affecting the cardholder's subsequent use and payment.

Measure 2: Keep the card out of sight when swiping the card

Since many overseas credit card fraud cases are caused by the leakage of card information, cardholders are advised to use credit cards overseas. It is important to protect your cards and keep them out of sight. When making a purchase, do not hand over your credit card to someone else for convenience, and do not give your credit card to the clerk for checkout to prevent people with "ulterior motives" from taking the opportunity to steal the relevant information on the credit card. Staff at the ICBC Credit Card Center said that the best way to prevent overseas theft is to protect credit card related information, do not easily disclose personal information to unfamiliar people, and ensure that the credit card never leaves your body. In addition, cardholders should also pay attention to storing their identity documents and cards separately to avoid greater risks of credit card theft and loss due to theft or loss of their credit cards and identity cards at the same time.

Measure 3: Keep the CVV2 code properly

Different from setting a transaction password for card swiping in China, the consumption habit of card swiping abroad is generally to only recognize the signature but not the password. Attaching a personalized signature on the back of the credit card that is difficult to imitate can effectively reduce the risk of imitation to a certain extent. In addition to the signature on the back of the credit card, it is also crucial to protect the "CVV2 code" printed next to the signature column when making purchases abroad. According to the staff at the ICBC Credit Card Customer Service Center, CVV2 is the last three digits on the back of the credit card, also known as the "security code" to prevent credit card "cloning". As long as there is no information on the last three digits, the fraudster can obtain the credit card account number. Information and successfully created a duplicate card, the card will be rejected by the ATM or POS machine when withdrawing money or making purchases. In addition, general overseas websites also need to enter the CVV2 code when confirming the credit card payment. Without the CVV2 code, online payment is generally impossible. Therefore, when users go overseas to make purchases, it is best to remember their CVV2 code and cover it with tape or scrape it off. At the same time, be careful not to enter or use your credit card information and CVV2 code at will through small websites that you are not familiar with. Go shopping and reduce the risk of these three digits being stolen by criminals.

Measure 4: Card swiping merchants need to have choices

It is understood that the current overseas card swiping environment is generally safe, and there is generally no theft of credit card information in formal shopping malls, restaurants, hotels and airports. There are risks, but you should still avoid using credit cards when making purchases at some small merchants or temporary stalls. Staff at the Bank of Communications Credit Card Center said that cardholders really need to pay attention to whether the credit card swiping environment is safe when using their cards abroad, and be selective about the merchants when swiping their cards. For example, small shops or street mobiles that use independent POS machines in the market Be wary of sexual stalls and prepare some cash and change to meet the consumption needs at these small merchants.

Measure 5: Replace the card in time after returning to the country

Since the vast majority of overseas fraud occurs after the cardholder returns to the country, in order to ensure the security of the account information, the cardholder can After the repurchase, call the card-issuing bank to apply for card replacement or actively cooperate when receiving suggestions from the card-issuing bank for card replacement. According to relevant personnel from the CCB Credit Card Center, for cards that have been swiped at high-risk merchants and may be at risk of information leakage, CCB will remind cardholders by phone or text message after receiving risk warnings from credit card organizations, and provide free replacement. Card services. On the other hand, many banks support humanized settings for the amount and frequency of online credit card purchases and transfer services. For example, ICBC credit cards can be used to self-activate or close card-less overseas payments through online banking using u-shield. Once the card-less overseas payment function is closed, it is basically impossible to swipe cards on overseas websites; while China Merchants Bank credit card holders can freely make payments online. By setting an online payment limit, consumers can adjust the online payment limit immediately to avoid online shopping fraud and minimize risks.

Measure 6: Purchase credit card insurance

In addition to improving security awareness against theft and fraud and avoiding the risks caused by improper operations, those who travel to Southeast Asia and other overseas countries with a higher risk of fraud are advised to Tourists can also choose to purchase relevant fraud insurance on demand to increase their compensation protection. It is reported that many Chinese and foreign insurance companies have included the losses caused by loss or theft of credit cards when used overseas into travel accident insurance or property insurance.