Credit card security issues have always attracted the attention of consumers. The card is clearly in their hands, but they receive credit card information for no reason, or they are in China, but receive overseas spending information. Recently, Ms. Xu, a citizen I encountered such a case.

Almost caused heavy losses, thanks to the timely control of CCB I was awakened by a text message prompting me to swipe my card. Ms. Xu was confused at the time. She had already returned to China, so how could she still spend money? Could it be that the fraud case really "became" to her? Just when she was at a loss what to do, a call came from China Construction Bank. It turns out that the CCB system judged that the transaction that occurred in France had a high risk level and had rejected the transaction without causing any loss. It also controlled the card and would replace Ms. Xu's card within 3 working days. After hearing this, Miss Xu breathed a sigh of relief.

Xiaocai reminds everyone that in recent years, the situation of similar credit card theft has become increasingly serious. Criminals will use skimming equipment to steal money when users are not paying attention. The magnetic stripe information of the card is also used to steal the password information when the user fills in the password. With the user's personal information, a counterfeit card will be made and the card will be stolen.

CCB’s professional transaction monitoring team protects consumers

However, the devil is always better than the truth. In order to provide users with safe card service protection, CCB has established a professional transaction monitoring team since 2007 to implement real-time fraudulent transaction rejection and The quasi-real-time fraud transaction early warning and parallel detection mode conducts 7×24 online monitoring of the entire bank’s credit card transactions, providing all-time protection for users’ card security. Since 2010, CCB has successively introduced VISA and MasterCard’s real-time transaction monitoring systems based on scoring models, becoming the first domestic bank to use fraud scoring models for cross-border transactions. When a cross-border transaction is initiated, the system will use model scoring based on the country, city, location, merchant and user behavioral characteristics of the transaction, and combine it with system rules to reject high-risk transactions in real time to protect users' card security. In 2014 alone, CCB detected more than 18,500 fraudulent transactions through transaction monitoring, involving more than 90 million yuan, preventing users from fraud losses of more than 415 million yuan, becoming an invisible "guardian wall" around users.

Although banks protect the safety of consumers’ card use, Xiaocai still wants to remind everyone:

1. Holders should increase their awareness of prevention and do not disclose verification casually. Personal information includes: identity information and contact information, etc., and credit card information includes: transaction password, card information, verification code information, etc. Be wary of online or offline merchants asking for passwords and other information for reasons such as returns or refunds. Once you discover something suspicious or any transaction that you are not aware of, you should call the card issuing bank as soon as possible to report the loss of the card to avoid further losses.

2. The card should be within sight when swiping the card. When swiping the card, keep the card out of your sight. When filling in the password, pay attention to the obstruction. When swiping the card, pay attention to the number of times the cashier has swiped the card and whether there are any abnormalities in the POS machine.

3. If there is an abnormality in credit card swiping, you should contact the bank promptly and cooperate with the investigation to avoid irreparable losses.

4. Try to choose IC chip cards with higher security; when checking or withdrawing cash at an ATM machine, you should pay attention to whether the ATM machine has irregular card insertion slots, foreign matter sticking outside the card slots, and other abnormalities. situation; when making online purchases, log in from the official website. Phishing websites will normally add numbers or letters before and after the official website; do not click on unknown links or floating windows, or bank websites provided through email, text messages, etc., and do not visit Internet cafes Wait for public Internet access places to conduct operations involving personal information