The reason why the credit card was stolen may be that the credit card was stolen after it was lost, or that the credit card information was leaked, or that someone copied your credit card to steal it. Cardholders do not need to repay the debts caused by the theft of credit cards. Under normal circumstances, the stolen credit card is borne by the borrower, and the public security organ recovers the stolen credit card. Therefore, if the credit card is stolen, the cardholder should report it in time to avoid further losses.
How the credit card was stolen.
1. The card is copied.
When swiping a credit card, the payee needs to operate the "swipe card" action on the card swiping machine. Some people, on the other hand, may take this opportunity to copy your card with some kind of machine like a credit card reader. And when you enter the password, it may have been monitored. In this way, after the other party copies the new card and knows your password, it can steal your credit card.
The number on the back of the card was leaked.
There are seven numbers on the back of the credit card, that is, seven numbers on the magnetic stripe. The last 3 digits of these 7 digits are also called CVV2. Some online payments only need these 7 digits or CVV2, plus the card number and the validity period of the card. So when using a card, if the numbers on the back of the card are leaked or peeped by some people, they will use this method to steal your credit card.
3. Secret-free payment has been opened.
If you are a frequent credit card user, you like to pay by credit card, regardless of size. For example, if you go to the supermarket to buy hundreds of items quickly, you also use a credit card. At this time, for convenience, you can open a small or large amount of confidential payment. We know that credit cards include not only magnetic stripe cards, but also chip cards. Chip cards don't need to be swiped in the card slot of the card reader like a magnetic stripe card, but can be paid directly on the card reader, just like a subway card, and you can pay without entering a password. And some people will take advantage of this convenience, bring some kind of machine, rub it on you in the crowd, or when the subway and bus are crowded, so that they can steal your credit card.
4. Binding WeChat or Alipay
As popular as credit cards are WeChat payment and Alipay payment. For the convenience of operation, most people will bind their credit cards to Alipay or WeChat. We also know that surveillance will be installed in many places. If someone accidentally peeks at the password of WeChat or Alipay when paying, then they can log in to your WeChat and Alipay and steal your credit card.
5. Click the link with the virus.
Everyone knows that online red packets are red packets sent through the internet. After you click, you can receive the money paid by the other party. In addition to sending red envelopes among friends, you can also send red envelopes to strangers in QQ group and WeChat group. Of course, strangers can also give you red envelopes. Some people will take advantage of the pie in the sky to send you red envelopes or links to withdraw money. After you click on these links, the other party may install a virus on your mobile phone or computer to steal your card number and password, thus stealing your credit card.
6. Leaked the verification code
When we consume online, there is a way of consumption called fast payment. You don't need to log in to WeChat or Alipay, enter the last 6 digits of the card number, and then enter the password+verification code, and you can pay immediately. Because the password of a credit card is 6 digits, some people may set the password to birthday, mobile phone number, etc. For convenience, these passwords are easy to decipher. Once the password is cracked, only the verification code remains. If you tell others the verification code online or by phone, they can steal your credit card.
7. The mobile phone has been used by others.
Sometimes, we will meet friends or strangers and say to you: the mobile phone is dead and gone. Please use your phone to make a call. You haven't been staring at each other since you lent out your mobile phone. It is this kind of embarrassment that may be used by some people. He can get your card number and verification code through his mobile phone, or pay directly with your Alipay and WeChat. After use, he will delete payment records and text messages, thus stealing your credit card without your protection.
8. The mobile phone or mobile phone number is stolen.
Nowadays, mobile phone numbers are as important as people's ID cards. This is because the mobile phone number is not only a tool for people to contact, but more often, it is because the mobile phone number is bound to the bank card. The password of the bound bank card can be modified by the mobile phone number, and the bound login account can be modified in various ways. It can be said that the mobile phone number is the master key of funds, so if the mobile phone or mobile phone number is stolen, someone will unbind your mobile phone number or intercept your verification code directly through your mobile phone. With the verification code, you can steal credit cards.