How to protect credit cards?

It is very important to learn how to ensure the security of your credit card (debit card).

Friends must have seen such a video some time ago, that is, a person took a pos machine with NFC near-field payment to the parking lot to brush away the money from other car owners' ETC credit cards (debit cards). Due to the security problem of chip card short-distance payment caused by this video, many netizens have heated discussions. In fact, there is a joke about this near-field payment: it says that if someone takes the bus acceptance equipment out of his backpack and walks all the way to the subway or crowded places, can he leave the money in the bus card? Let's not talk about whether the bus acceptance equipment can charge him after brushing away the money. This behavior is actually equivalent to "not receiving" POS. The topic I want to talk about today is to learn how to protect the funds of my credit card (debit card). Let's read it together.

Using a credit card (debit card) requires more protection than using a debit card. If your credit card (credit card) costs a lot, once it is stolen, it will eventually expire, which will affect your personal credit rating and affect your future purchase of a house, account opening, going abroad and buying air tickets and train tickets.

1. After receiving the credit card (debit card), you need to sign in the signature area on the back of the card. In this way, once the credit card (debit card) is stolen, the bad guy takes your card to spend. If the signature does not match, the cashier can refuse to swipe the card. If there is a stolen brush in the future, you can avoid responsibility without your signature.

2. Some credit card (debit card) POS transactions have no password by default, so it is best to set telephone banking as the password when swiping the card. If you have a good memory, it is the best policy to change your password regularly.

3. The last three digits behind the credit card (debit card) are CVV (also called CNV and CVV2) codes, which are very important. CVV code is more important than bank card password. Shopping online, you can spend without password, expiration date and CVV. Therefore, the card god group suggested that friends stick the CVV code with stickers, or tear up these three numbers and copy them in their notebooks.

4. Don't show the photos of the front and back of the credit card (debit card) to others, and try not to use the credit card (debit card) to collect outside money. Once the information on your credit card (debit card) is leaked, it is easy to be stolen by others.

5. Be sure to open a credit card (debit card) SMS notification, and you will be informed in time when there is a transaction. If you find that it is not your transaction, call the bank as soon as possible to freeze/report the loss of this card.

So what are the important functions of CVV and CVV2 codes? Because in different trading scenarios, CVV and CVV2 codes are as important as passwords.

That is, run the "swipe card" in terminals such as POS/ATM, and sign the authorization (sign the purchase order) to complete the transaction. In this case, terminals such as POS machines need to read the information such as CVV 1 in the track, and the cardholder can complete the transaction by inputting the password. It can be said that CVV 1 is an important symbol used by the issuing bank to verify the authenticity of the card.

It is also commonly known as "no magnetic and no secret transaction". Generally used in hotels, air travel and other real-name industries, the transaction can be completed by providing credit card (debit card), CVV2, expiration date, cardholder's name, ID number and other information.

Summary: Many friends will ask, is it better to have one credit card (debit card) or more? Advise friends to have one or more credit cards. In this way, the purpose of a credit card depends on the purpose of the cardholder. If you have entrepreneurial needs or business, it is better to apply for more credit cards (debit cards). After all, the turnover fee of credit card (debit card) is far lower than that of various loans. If it is normal consumption, a credit card (debit card) is enough for the cardholder. Here, I would like to remind those friends who use credit cards (debit cards) as pickpockets that the reason why credit cards (debit cards) make a person a slave is the cardholder. Only by using the card normally, reasonably and scientifically can the maximum value of the credit card (debit card) be exerted. If you blindly regard credit card (debit card) as a pleasure tool for spending overdraft, then only endless debt quagmire awaits you. Disclaimer: The article comes from the Internet and is only for users to learn and communicate. If there is any infringement, please contact to delete it.

Security and guarantee of credit card

The security of credit cards depends not only on the bank's security protection of accounts, but also on the cardholder's proper custody of credit cards and information. They must raise their awareness of prevention and not be used by some lawless elements.

The real-time detection and early warning of CCB Credit Card Center ensures the security of online payment. What is the use of real-time detection and early warning? Let me give you an example.

At noon one day, Xiao Zhang, the anti-fraud detection specialist of CCB Credit Card Center, finished his morning shift and was ready for breakfast. Suddenly, he received an alarm from the fraud detection system, showing that there were suspicious transactions on Mr. Liu's credit card. The system prompts that the card has three online payment transactions within five minutes, and the transaction merchants are third-party payment institutions, with a total consumption of 1 10,000 yuan. Xiao Zhang, who is experienced in testing, immediately felt unusual: these three transactions happened too frequently, and the amount of each transaction was close to the online payment limit standard. The first transaction was successful, and the last two transactions were shelved, and Mr. Liu was contacted in time to verify the transaction.

Sure enough, these three online transactions were not operated by Mr. Liu himself. It turned out that just before 10 minutes, Mr. Liu received a short message that "10086" points were redeemed for gifts. Since the sending number was displayed as "10086", Mr. Liu clicked on the URL link in the short message without any doubt, and entered the credit card, expiration date and other information as required, and then "10086". After Mr. Liu replied to the verification code, these three large-scale online scams were produced within a few minutes.

After expressing his gratitude, Mr. Liu expressed his doubts to inspector Xiao Zhang. This short message was obviously sent by "10086". Could it be fake? Xiao Zhang patiently explained the mystery to Mr. Liu. In fact, the short message received by Mr. Liu was sent by criminals under the guise of 10086 after using the pseudo base station to modify the number. By inducing cardholders to log on to phishing websites in short messages, they cheat customers' credit card information and dynamic verification code, and immediately steal the network. Fortunately, after CCB grasped the relevant information, it immediately linked the third-party payment institution to intercept the transaction. Because it was discovered in time and the goods stolen by criminals were not delivered, the merchant successfully intercepted the first fraudulent transaction and cancelled the other two pending transactions, so that Mr. Liu avoided the loss.

(The first brush to send 25 yuan white coupon; Enjoy free installment shopping with white stripes; 4 hours 1000 yuan flight delay insurance)

What information does a credit card need to protect?

Usually, the following information is closely related to our daily use of credit cards, and we should pay attention to keeping this information confidential and not revealing it:

1.: A series of numbers in the center of the front of the card indicate that each card is unique.

2. Validity period of the card: A set of numbers in "MM/YY" format below the card is the validity period of the card.

3. Security code: three digits on the back of the card, located behind the signature column.

4. Password: a set of numbers (generally 6 digits) set by the cardholder for consumption and inquiry, or it can be blank.

5. ID number and bound mobile phone number: The information provided to the issuing bank and institution when handling the credit card is not reflected on the card face.

How to protect credit card information?

1. Set the password for the credit card: I learned from the bank that the credit card with the password is stolen and the cardholder takes full responsibility; If the credit card is stolen without a password, it is relatively easy to get protection when applying for compensation afterwards. In China, however, non-payment often happens, and credit cards without passwords are at greater risk of being stolen. Therefore, it is recommended to set a password for credit cards, and it is forbidden to use passwords that are easy to be cracked, such as birthdays, repeated numbers, 123456, etc.

2. Protect all the information of the credit card: Based on the consumption pattern of the credit card, not only the password should be protected, but also other information contained in the credit card should be properly kept. In the process of daily use and storage of credit cards, cardholders should pay attention to protecting personal identity cards, credit cards and other information, and must put them in a visible place when swiping cards, and must cover them with their hands when entering passwords. Don't give credit cards to strangers, and don't leave or disclose personal information at will.

3. Safe use of ATM for credit card transactions: When conducting credit card inquiry, withdrawal, transfer or password modification at ATM and other bank self-service terminals, pay attention to whether there are redundant devices on ATM. If it is found that the ATM machine is suspected of being artificially modified or a stranger is suspicious, it is best not to use it; Don't trust the notices posted outside the ATM, such as "ATM failure" and "ATM upgrade". All bank notices will only be notified to cardholders through the electronic display of ATM. Don't leave immediately if you encounter problems such as swallowing cards and failing to withdraw cash. You can call the customer service phone of the issuing bank and the customer service phone provided by the electronic display screen of the ATM machine in time at the same place, or you can go to the business outlet of the bank where the ATM machine is located for help, instead of calling the phone posted outside the ATM machine or the phone told by strangers.

What are the credit card loss services?

Lost card protection means that if a credit card customer loses his credit card, if the cardholder applies to the bank for reporting the loss at the first time, the bank will compensate the cardholder for the loss caused by the theft of the credit card within a certain period of time before reporting the loss.

The terms of the credit card loss protection service vary from bank to bank. Taking Ping An Bank's lost card protection service clause as an example, we explain the main contents of credit card loss protection service:

1, lost card guarantee time. The guarantee time of lost card refers to how long the credit is lost, and the bank is partly responsible for the losses caused by the loss of credit card. Ping An Bank stipulates that the loss of credit card consumption caused by the stolen credit card within 72 hours before the loss report can be applied for and borne by the bank. If the compensation clause of lost card protection is met, the corresponding amount of compensation can be provided.

2, lost card security content. The scope of credit card loss protection stipulated by Ping An Bank includes: protection 1: credit card consumption loss protection (signature only); Guarantee 2: Loss protection of cash withdrawal (with cash withdrawal password) when the credit card is robbed.

3. The amount of card loss protection. Ping An Bank stipulates that the amount of card loss protection shall not exceed the upper limit of your fixed credit line, and the maximum amount shall not exceed RMB 50,000.

This concludes the introduction of how to guarantee credit cards and whether secured cards can handle credit cards. I wonder if you have found the information you need?