How to avoid bank cards being stolen?

(1) How to prevent bank cards from being stolen?

1. Chip card is recommended.

Now all major banks are promoting the use of chip cards.

The chip safety factor of bank card is higher than other chips, and the information of chip card is dynamic. The chip is a small computer, and the check value is different every time, so the possibility of copying is small. Even if it is lost, so far, the phenomenon that the chip card is cloned under the transaction situation has not been found in China.

Don't spend money with a savings card.

We should develop the good habit of saving consumption at ordinary times. We need to save money for a card and spend a card. In general, we shouldn't put more money in our spending cards. It is best not to use bank cards for savings. In the card used for consumption, the amount is deposited as needed, so that even if it is stolen, the loss is within the controllable range.

3. Consumers use credit cards and open SMS reminders.

It is suggested to open a consumer reminder function in the bank, such as SMS reminder or WeChat reminder. If you have a consumption record, you can know whether it was stolen at the first time to avoid greater losses.

4. Don't save the bank card information on the Internet.

Be careful not to leave your bank card information on some unsafe websites. Hacked websites are generally websites that are used to retaining user information.

5. What should I do if my brush is stolen?

Even if we try our best to be foolproof, it is difficult to avoid "the height of the road is one foot, and the height of the devil is ten feet". How to deal with it after stealing it is extremely important.

First of all, you should freeze the card as soon as possible when you know that it has been stolen.

Secondly, report the case in time to prevent criminals from going unpunished.

Finally, don't panic, take reasonable protective measures, and the bank will have corresponding provisions to share the losses.

6. Common means of bank card fraud

First, fraudulent use of other people's ID cards and other valid identity documents to handle bank cards for fraud;

The second is to use people's paralysis and credulity to commit crimes. Using fake cards, replacing empty cards, posting "emergency notices", etc. For example, criminals posted so-called "emergency notices" on ATM machines, claiming that ATM systems have been invaded by viruses. In order to ensure the safety of users' funds, users must transfer funds to designated accounts. As long as the user transfers money to the account, the funds in the bank card will be taken away by criminals immediately. Therefore, don't believe in "urgent notices" and "announcements" in case you are deceived. Seeing that there is an "emergency notice" next to the ATM, asking you to provide password information is definitely not the behavior of the bank, but a criminal who maliciously steals cardholder information;

Third, high-tech crimes, such as installing micro cameras on ATM machines and using card stealing machines. When self-service, pay attention to whether there are redundant "devices" such as cameras on ATM machines. In addition, the entrance of self-service bank generally needs to be swiped to enter, and swiping does not require a password. Some criminals change the access control equipment of self-service banks and require to swipe their cards to enter their passwords in order to achieve the purpose of theft. Never enter the password in this case, and contact the bank immediately.

In view of the above situation, you should protect your personal data and information, do not apply for a card in the street, do not entrust others to apply for loans and bank cards, and do not give your personal data to a third party. Please indicate the purpose when providing a copy of your personal ID card, and don't tell others the card number, account opening date, expiration date, password, ID number and other information. The card should be carried with you, and the operation should be shielded when you need to enter a password for ATM deposit, inquiry or credit card consumption on the POS machine. Receipts for ATM withdrawals, inquiries and POS consumption should not be thrown away, but must be taken back for safekeeping or disposal.

According to the provisions of China's criminal law, it is a bank card crime and will be subject to criminal punishment.

(b) Prevention of telecommunication fraud

1.20 17 What are the common means of telecom fraud?

Fraud 1: pretending to be a public security law worker to defraud.

The criminal suspect used the number change platform to change his phone number to that of the public security, procuratorate and court, and called the domestic people from abroad, falsely claiming that the phone owner didn't take the court summons, and threatened by summons, arrest and other excuses. Then, on the grounds that the public security organ suspected of drug trafficking or money laundering needed to investigate his personal assets, he asked the victim to put the money into the so-called safe account to prove his innocence, thus taking the opportunity to defraud the people of their money.

Fraud method 2: posing as a social security electric power worker to defraud.

Fraudulent gangs call or send text messages to mobile phone users, pretending to be social security, electricity and other departments, telling victims that they have large bills in arrears, and then using excuses such as personal information disclosure and property preservation to trick victims into transferring account funds.

Fraud trick 3: car and real estate tax refund fraud

Fraudsters pretend to be staff members of the state tax authorities, claiming that according to state policies, the cars, real estate or agricultural machinery purchased by the victims should be refunded and subsidized, so as to trick the victims into using their bank cards to operate on ATMs and defraud the victims of money.

Fraud method 4: pretending to be a grand prize fraud in TV programs.

Fraudulent gangs tell their victims that they are lucky to win a famous TV program award by sending short messages, telephone notifications, and computer page pop-ups. , and how much cash, laptops, mobile phones, etc. Trick the victim into paying the deposit, tax, etc. And defraud the victim of money.

Fraud five: pretending to be an acquaintance to cheat.

Fraudsters pretend to be acquaintances and friends of the victims, and lie that they will visit in the near future through mobile phones or other mobile communication software. The next day, he fabricated gambling, prostitution and other reasons that were seized by the public security organs or his family was sick, and borrowed money from the victim to achieve the purpose of fraud.

2. How to prevent telecom fraud?

Overcome the thought of "greed for profit", don't believe in paralysis, and beware of being fooled.

There is no such thing as a free lunch, and there will be no pie in the sky. For criminals who commit fraud in winning prizes, handling high-interest loans or credit card cashing, or transferring wealth information by fraud, don't believe that winners and others can handle high-interest loans or credit card cashing and transferring wealth information. Be sure to know more about and analyze the truth and avoid being deceived.

Don't easily disclose your identity, communication information and other family and personal information to others.

Look carefully at the fraudulent text messages and phone calls of family members and friends in urgent need of help. Don't worry, don't be fooled, and don't remit "emergency funds" to the bank account designated by criminals.

Do more research to prove it.

If you receive a training notice and pretend to be a bank credit card center and claim that the bank card is upgraded and fraudulent recruitment is conducted, you should consult and verify with relevant local units and industries or visit their offices in time, and don't trust strange phone calls and information. Training fees are generally paid in cash or transferred to the public, and should not be remitted to personal accounts. Don't be cheated.

Not ashamed to ask questions, not afraid of ghosts knocking at the door

If you receive a strange text message or a phone call threatening injury, report or lie about anti-money laundering, don't panic and don't believe it. You'd better ignore them and don't send money to the account designated by criminals for "disaster relief".

It is illegal to buy prohibited items.

Text messages and phone calls advertising "selling" special equipment and contraband should be ignored, cleared in time, and not remitted for purchase. For unfamiliar text messages and phone calls that require remittance before delivery or advance deposit, deposit, mortgage risk, notarization fee and handling fee, you must carefully screen them, and don't be credulous or deceived.

Withdrawal warning

When visiting the ATM of a bank, if you encounter anything except the blocked or swallowed bank card, you should carefully distinguish the authenticity of the "prompt" of the ATM. Don't be credulous and fall for it. You'd better call the manual service desk of UnionPay Center's customer service telephone number 955 16 to find out about the inquiry and contact the real bank staff for settlement.