How can bank cards be safer?

Bank card security knowledge Compared with cash, bank card is a safe and fast means of payment. At present, various commercial banks and UnionPay have taken various technical measures and safety measures to ensure the security of cardholders' funds to the maximum extent. However, it is very important for cardholders to have some necessary safety awareness, understand some common bank card crimes and master basic prevention skills when using bank cards. The following are ten security issues that cardholders may encounter when using bank cards: \ x0d \ x0d \ Question 1: How should cardholders protect their bank card information security? \x0d\x0d\ Some criminals will steal \ x0d \ information from the cardholder's bank card account, steal the funds from the cardholder's account after forging a fake card, steal the identity information of others, and then impersonate others to apply for a credit card for malicious overdraft consumption. Therefore, cardholders need to protect their bank card account information (card number, password, etc. ) and personal information. \x0d\\x0d\ Prevention tip: \x0d\\x0d\ 1. It is very important to set the password skillfully. After getting a new bank card, the cardholder should immediately change the password regularly. Set some relatively complicated passwords instead of simple passwords such as 123456 and 888888, and modify them regularly; Don't use your birthday, home phone number, etc. As a password, and under any circumstances, don't easily disclose account information such as bank card password to others. Remember, no one (including bank staff) has the right to ask for your personal password. \x0d\\x0d\ 2。 Cover up your personal information. Cardholders should pay attention to protecting personal information to prevent personal information from being abused by criminals. If you don't leave your personal data to unfamiliar companies or individuals, don't leave real personally identifiable information (including family and work information) online. If you need to leave a copy of your ID card for a certain business, it is best to indicate the purpose on the copy, such as "recruitment only". \x0d\\x0d\ Question 2: We often see advertisements on the Internet or in newspapers claiming to be authorized by banks to help with gold cards or provide credit card financing. Is it credible? What if an individual wants to apply for a credit card? \x0d\\x0d\ Generally speaking, most so-called intermediaries who claim to be able to help with gold cards or provide credit card financing services are not credible. People should pay attention to the following knowledge when handling credit cards: \ x0d \ x0d \ 1. To apply for a credit card through formal channels, the applicant should go directly to the bank counter or a formal marketing agency authorized by the bank to apply for a credit card, but this marketing agency is not allowed. \x0d\\x0d\ 2。 Credit card is a revolving credit line given by the bank based on the applicant's personal good credit status, and the issuing bank will adjust the corresponding credit line according to the cardholder's credit card usage and credit status. Therefore, you can't go through some illegal intermediaries for convenience or to obtain a higher credit limit, and you can't actively participate in credit card cashing. Once discovered by the bank, it will do great harm to your personal credit status. \x0d\\x0d\ 3。 If cardholders find illegal intermediaries or cashing merchants, they are welcome to actively call the issuing bank or UnionPay customer service hotline 955 16 to report, so as to maintain a healthy and healthy development environment for bank cards. \x0d\\x0d\ Question 3: What should cardholders pay attention to when using ATM and other bank card self-service terminals? \ x0d \ x0d \ Some criminals will set up some "organs" in self-service banks and ATMs, and at the same time peek at the passwords behind them. When the cardholder can't trade normally or creates the illusion that the card has been swallowed, pretend to be a good-hearted person to help him change the card or take out the stolen card after the cardholder leaves. Therefore, cardholders should pay more attention when using ATM and other bank card self-service terminals. \x0d\\x0d\ Precautionary tip: \ x0d \ x0d \ 1. Be careful when using the self-service banking terminal, and pay attention to whether there are suspicious people around. When operating, you should avoid interference from others, prevent others from peeping at the password, and get in touch with the issuing bank in time by calling its national unified customer service hotline. \x0d\\x0d\ 2。 Don't trust "good people". Don't dial the phone number attached to the machine, don't throw away the printed documents at will, and you don't need to enter a password to swipe your card for access control. \x0d\\x0d\ 3。 When spending with a credit card, the card can't leave your eyes. In public places (such as supermarkets, restaurants, etc. ), you can block the password keyboard with one hand to prevent others from peeping at the password. \x0d\\x0d\ Question 4: How to identify false messages or phone calls? \ x0d \ x0d \ SMS phone fraud is a kind of fraud means that criminals make up some seemingly reasonable reasons through telephone, mobile phone and other communication tools, and use the cardholder's petty gain or nervous psychology to defraud the cardholder's account funds or account information such as card number and password, or trick the cardholder into transferring money to ATM machines. Common examples are: the current popular short message fraud pretending to be a bank notice or a prize-winning notice, such as "winning the prize", "bank card consumption", "returning the car purchase tax", pretending to be a mobile employee "returning the phone bill", or calling to falsely claim that the cardholder's relatives and friends need funds in an emergency, etc. \x0d\\x0d\ Precautionary tip: \ x0d \ x0d \ 1. When you receive suspicious letters, emails, text messages, phone calls, etc. You should be careful to confirm them, don't be greedy and cheap, and don't be nervous. \x0d\\x0d\ 2。 If you have any questions, you can go directly to the counter of the issuing bank, or call the unified customer service hotline of the issuing bank (generally starting with "95") or the UnionPay service hotline 955 16. \x0d\\x0d\ Question 5: What should I do if I encounter suspicious text messages or phone calls? \x0d\\x0d\ The first is to identify the style of false short messages. The institutions such as "Bank Card Management Office", "Joint Management Bureau" and "National Financial Center" in fraudulent short messages simply do not exist. Please be careful when you receive such a message. \x0d\ Secondly, identify the contents of the bank card transaction information in the false short message, which will never include the transaction bank card number and other information. \ x0d \ x0d \ Third, multiple mental cognition of "Gui Li". In case of making a phone call left in a fake short message, you can ask the other party if they know their mobile phone number or card number. Because the sending of false short messages is random, it is impossible for ordinary fraudsters to know. \x0d\\x0d\ Finally, no matter what name is used to fabricate reasons in false short messages, the most important point is that criminals will leave various phone numbers. Once you make a phone call, the other party will eventually instruct or ask you to operate the ATM. So, remember not to do anything at the ATM according to the man on the phone. If you are in doubt or uneasy, you should consult the bank counter, customer service center or authoritative department in time. \x0d\\x0d\ Answer supplementary question 6: What are the characteristics of reminder messages sent by banks to cardholders? How to distinguish between regular SMS and fraudulent SMS? \x0d\\x0d\ If the cardholder has opened the SMS notification service for bank card account change, the regular SMS will clearly display the time, place, consumption amount and the suffix of the user's card number, and the information is very clear. If it is a false message, because the criminals who send the false message do not know the real card number of the cardholder, the false message will never contain the card number of the bank card where the transaction takes place. \x0d\\x0d\ Question 7: What should cardholders pay attention to when using online banking or online payment? \ x0d \ x0d \ Some criminals often use e-mail, network hacking software and terminal equipment to lure cardholders to log on to fake online banking websites, steal account information such as the cardholder's bank card number and password, and then make fake cards or make purchases and transfers. \x0d\\x0d\ Prevention tip: \x0d\\x0d\ 1. When making online payment and online banking, cardholders should not use bank websites provided by unknown links or emails. When logging in, carefully check whether the website name and logo are correct, especially the formal online banking address usually starts with "https:", while fake websites usually do. Don't operate online banking or conduct online transactions in public places such as Internet cafes, and keep the password as long as possible. \x0d\\x0d\ answer supplement 2. Choose a well-known, reputable, long-running website that cooperates with well-known financial institutions to find out whether the information in the transaction process has a secure encryption mechanism. Shop from familiar or well-known manufacturers to avoid bank card numbers or other personal data being stolen because you don't know the manufacturers. \x0d\\x0d\ 3。 Pay attention to keeping online consumption records for enquiry. Once you find any unknown expenses, you should contact the issuing bank immediately. \x0d\\x0d\ Question 8: If the cardholder unfortunately falls into a scam set by fraudsters, how can he reduce his losses? \ x0d \ x0d \ 1。 Call the customer service hotline of the issuing bank in time or report fraudulent transactions directly to the bank counter, monitor bank card transactions or freeze or stop payment of bank card accounts; \x0d\\x0d\ 2。 In case of loss or serious situation, report to the local public security organ in time; \x0d\\x0d\ 3。 Cooperate with the public security organ or the issuing bank to do a good job in investigation and evidence collection. \x0d\\x0d\ Answer supplementary question 9: Why should cardholders protect good personal credit records? \ x0d \ x0d \ Cardholders should keep a good personal credit record. At present, China is advocating the construction of an honest society. The People's Bank of China has established a nationwide personal credit database, and China UnionPay has also shared information on bad credit cards among banks. Therefore, if an individual has a good credit record, the issuing bank will not only adjust the credit card limit in time, but also bring great convenience to other business dealings between individuals and banks and other departments. \x0d\\x0d\ Question 10: Which cards are "signature" confirmation and which cards are "password" confirmation? \ x0d \ x0d "signature" and "password" are both ways for cardholders to confirm the consumption of bank cards, and are important means to protect the security of cardholders' funds. \x0d\\x0d\ Generally speaking, most of us use debit cards (that is, cards with funds in advance and no overdraft function) to confirm our consumption through passwords and signatures, while many credit cards (debit cards and quasi-credit cards) issued by domestic banks provide the function of transaction confirmation through passwords or signatures, which cardholders can choose. \x0d\ Customer service hotlines of major card-issuing banks and China UnionPay: \ x0d \ China Industrial and Commercial Bank (60 1398 quotation, stock bar) 95588 China Agricultural Bank 95599 China Bank (60 1988 quotation, stock bar) 95566 \ x0d \ \ Shares) 95533 Bank of Communications (60 1328 Quotes, Shares Bar) 9559 Industrial Bank (601Kloc-0/66 Quotes, Shares Bar) 955 1 \ x0d \ China Merchants Bank (600036 Quotes, Shares Bar)