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. When shopping online, you can only consume the card number, expiration date and CVV without a password. 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 card number, CVV 1 and other information 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 industries in real-name registration system, the transaction can be completed by providing credit card (debit card) number, 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 capital turnover, 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.