How to prevent large deposit certificates in bank cards from being stolen?

? With the introduction of new regulations on asset management, capital-guaranteed wealth management products are coming to an end, and non-capital-guaranteed wealth management products are flooding the market. At the same time, as the market liquidity tends to be moderately loose, the yield of regular wealth management and baby-like current wealth management continues to decline, leading to the continuous warming of large deposit certificates. However, due to the electronic issuance of certificates of deposit and their storage in bank cards, some people began to worry about being stolen. Is this worry necessary? How can we prevent it?

Certificate of deposit is different from bank card demand deposit, which is more secure. Everyone knows that the certificate of deposit is deposited by a bank card, but many people don't know that it has a different account from the bank card demand deposit, and the possibility of being stolen is extremely small. The bank card itself is a current master account. In order to adapt to electronic and remote transactions, a number of sub-accounts have been opened under the main account for transactions such as wealth management products, funds, gold and certificates of deposit, but the balance of the sub-accounts cannot be directly paid for external transactions. For example, if you deposit 6,543,800 yuan into a bank card and buy 600,000 certificates of deposit, then 400,000 yuan can be traded at any time in the current main account of the bank card, which is the available balance; Moreover, 600,000 yuan is in the sub-account of the bank card, so it cannot be paid at any time because it is an unavailable balance.

There are two common situations in which bank cards are stolen in daily life. One is that the bank card is copied and swiped, and the other is illegally binding third-party payment tools such as WeChat Alipay to carry out theft. However, no matter how clever a liar is, he can only steal the current balance of the main account at most, but not the balance of the brush account. Why? As the sub-account balance is currently unavailable, it must be converted into demand deposit through counter or self-service channels (online banking, mobile banking, etc.). ) can be used. However, these operations are impossible for criminals. In fact, the sub-account balance has an extra firewall than the demand deposit, which indirectly improves the security level. Therefore, it is a bit redundant to worry about the theft of large deposit certificates before they expire.

It can be seen that the key to prevent the theft of large deposit certificates is after the expiration. Because the principal and interest will automatically return to the current main account after the certificate of deposit expires, I don't need to operate any more. But at this time, the certificate of deposit is no longer a certificate of deposit, but a demand deposit, so the focus of prevention is transformed into the prevention of bank card demand deposits. There are mainly the following aspects:

First, the pocket money account is separated from the wealth management account, so that the wealth management bank card is dedicated. Due to the frequent online shopping and mobile payment, it also increases the opportunity to contact illegal channels and gives criminals an opportunity. Through physical isolation, the risk is greatly reduced.

Second, manage the mobile phone. Especially for customers who have opened mobile banking, there are risks because of the binding of bank cards. So, don't lend your mobile phone out easily. If you lose it, you should keep all kinds of passwords well, even if you report the loss of your mobile phone card or bank card. Don't click on illegal links or browse illegal websites.

Third, manage bank cards and passwords. If you find the bank card lost, you should immediately report the loss to the customer service, stop paying and freeze the account to prevent theft. Setting the password should not be too simple to prevent it from being deciphered. When using passwords, pay attention to shielding to prevent others from peeping.

Fourth, try to open SMS service, grasp the changes of funds at the first time, and add an insurance for deposit safety.

5. In case of theft, first, report the loss and freeze the account, second, report to the police and get the receipt of filing, third, make a transaction or inquiry nearby and leave a trace, and fourth, file a civil lawsuit in time to claim rights. After the above-mentioned evidence is fixed, even if a lawsuit is filed, the possibility of winning the case is great, and the compensation is maximized.