What are the measures to prevent credit card theft?

Measure 1: Open the payment reminder function.

At present, most overseas stolen brushes are discovered and handled by cardholders after receiving bank payment reminders. Therefore, before going to consumption abroad, the cardholder should ensure that the SMS payment reminder of the credit card has been activated, so as to ensure that he can know the change of the amount in the card at the first time. It should be noted that you must reserve your mobile phone number correctly when applying for a credit card. If the overseas mobile phone number changes, I should also call the bank's customer service hotline to update it in time, and take the initiative to open the account change SMS reminder service. The staff of the Credit Card Center of China Merchants Bank said that in order to ensure that cardholders can obtain consumption information in time abroad, it is suggested that cardholders who need to use their cards abroad should turn on the function of receiving SMS or phone roaming in time before going out, so as to receive transaction information reminders sent by the bank smoothly. In addition, banks will immediately monitor credit card consumption information. If there is a big abnormality in the card swiping area and merchants, the cardholder will be contacted for confirmation. If the cardholder confirms that there is no problem with swiping the card, the bank will immediately confirm the payment. If the cardholder cannot be contacted due to communication problems, the card may be unilaterally frozen, which will affect the subsequent payment of the cardholder.

Measure 2: Keep your credit card in sight.

Since many overseas credit card theft cases are caused by the leakage of card information, it is suggested that cardholders avoid protecting their cards and stay away from their sight when using credit cards abroad. Don't give your credit card to others for convenience, and don't give it to the clerk for checkout at will to prevent people with ulterior motives from stealing the relevant information on the credit card. The staff of ICBC Credit Card Center said that the best overseas anti-theft brush means is to protect the relevant information of credit cards, and don't easily disclose personal information to unfamiliar people to ensure that credit cards don't leave. In addition, cardholders should also pay attention to the separate storage of identity documents and cards to avoid the greater risk of stolen credit cards and identity cards being stolen and lost at the same time.

Measure 3: Keep the CVV2 code properly.

Different from the domestic credit card with transaction password, the consumption habit of foreign credit card swiping is generally only to recognize the signature but not the password. If the cardholder attaches a personalized signature that is difficult to imitate to the signature column behind the credit card, the risk of being imitated can be effectively reduced to some extent. In addition to the signature on the back of the credit card, it is also important to protect the "CVV2 code" printed next to the signature column when spending abroad. According to the staff of ICBC Credit Card Customer Service Center, CVV2 is the last three codes on the back of the credit card, also known as the "security code" to prevent the credit card from "cloning". As long as there is no information in the last three yards, even if the thief obtains the credit card account information and successfully makes a duplicate card, it will be rejected by ATM or POS machine when withdrawing money or spending. In addition, general overseas websites also need to enter the CVV2 code when swiping the card for confirmation. Without CVV2 code, online payment is usually impossible. Therefore, when users go abroad to spend money, it is best to remember their CVV2 code, cover it with tape or scrape it off, and at the same time pay attention to avoid entering their credit card information and CVV2 code at will through unfamiliar small websites, so as to reduce the risk of these three digits being stolen by criminals.

Measure 4: Credit card merchants need to have a choice.

It is understood that the current overseas credit card environment is generally safe. There is generally no risk of credit card information being stolen in regular shopping centers, restaurants, hotels and airports, but credit cards should be avoided when some small businesses or temporary stalls consume. The staff of the Bank of Communications Credit Card Center said that cardholders really need to pay attention to whether the credit card environment is safe when using their cards abroad, and they should be selective to merchants when swiping their cards. They should be wary of small shops or street mobile stalls that use independent POS machines in the market, and they can properly prepare some cash and change to meet the consumption needs of these small businesses.

Measure 5: Change the card in time after returning to China.

Since the vast majority of overseas card swipes occur after the cardholder returns to China, in order to ensure the security of account information, the cardholder can call the card issuing bank to apply for card replacement after repurchase or actively cooperate when receiving the card replacement suggestion from the card issuing bank. Relevant persons of CCB Credit Card Center introduced that for cards that have been swiped by high-risk merchants and may have the risk of information leakage, CCB will remind cardholders by phone or SMS after receiving the risk warning from credit card organizations, and provide free card replacement service. On the other hand, many banks support the humanized setting of the consumption amount and frequency of credit card online consumption and transfer business. For example, ICBC's credit card can self-service open or close overseas payment without a card through U Shield's online banking. Once the function of overseas payment without card is turned off, it is basically impossible to swipe your card on overseas websites; Credit card holders of China Merchants Bank can freely set online payment quota, and consumers can adjust online payment quota immediately to avoid online shopping theft and minimize risks.

Measure 6: Buy credit card insurance.

In addition to enhancing the safety awareness of anti-theft brushes and avoiding the risks caused by improper operation, tourists who travel to countries with high risk of overseas brush theft, such as Southeast Asia, can also choose to purchase relevant brush theft insurance as needed to increase compensation protection. It is reported that many Chinese and foreign insurance companies have included the loss caused by the loss or theft of credit cards when they are used abroad in travel accident insurance or property insurance.