How was the credit card stolen?

When criminals steal information about credit cards, even if the cards are still in the hands of users, criminals can steal them. The main reasons for the theft of credit cards are other people's ID cards used when handling cards, credit card information stolen by criminals, and cardholders' careless disclosure of passwords. It is better for users to replace magnetic stripe cards with chip cards to improve the security of credit cards.

At the same time, close the small secret payment, and try to enter the password every time you spend, so that you need to enter the password to spend even if you lose your card.

How to fill in the information to protect personal information with a card?

1. Fill in the commonly used numbers on my mobile phone on the application form.

Mobile phone is the main tool to activate credit card and set credit card password.

Banks will also send short messages related to credit cards to the mobile phone numbers reserved by customers. If someone else's mobile phone or company group number is filled in the application form, it will leave hidden dangers. Once other people get the card, they can activate it and use it. They can also grasp the card situation in real time through SMS, and handle various voice self-service through the mobile phone number, which brings the risk of card information leakage and card theft. It seems a good habit to carry a mobile phone with you.

2. Fill in my usual address at the mailing address.

Credit card letters include highly confidential information, such as credit card, expiration date, verification code on the back of the card, credit limit, etc.

If the mailing address is not my usual address, and the card is intercepted or fraudulently used by others, the direct consequence of card information disclosure is theft; After bidding for the card, pay attention to official website's real-time inquiry about the progress of card handling and mailing to prevent others from taking the initiative; In addition, remember to fill in your personal email address and try to avoid filling in your work email address.

3. Be wary of the "boss" digging a hole for you.

At present, the youth group has become the main customer group of credit cards. Who is really embarrassed to go out to play without a credit card? The younger generation seems to keep up with the trend of the times, but in fact they really lack social experience and are easily deceived. When you first joined the company, the "boss" told you that you had business dealings with the bank, insisted that you fill out a credit card application form, used the company's office mobile phone as the reserved mobile phone number, and even took a photo of your application form as a souvenir. Jiao Jiao reminds you that this is very unscientific, please say no! Otherwise, the stolen brush is in sight.

4. indicate the purpose on the copy.

When you apply for a card, you must submit a copy of your ID card and a copy of your work permit. However, there are people staring at them. Jiao Jiao has to tell you that when you apply for a credit card by providing a copy of your personal ID card, it is recommended to indicate the purpose of use on the copy, such as "only for applying for a Bank of Communications credit card" to prevent the copy of your ID card from being used for other purposes.

The reason why the credit card was stolen

The user's bank card was stolen and swiped, which is due to the bank, technology and the cardholder's own reasons, and also related to the imperfect credit information system in China.

From the bank's point of view, under the pressure of competition, bank personnel blindly pursue the expansion of deposit and loan business, ignoring the audit of cardholders, leading to a large number of misappropriation of other people's information to handle credit cards, leaving security risks. The lax examination of credit cards has affected the purity of credit cards.

In addition, the bank's grasp of the strictness of credit card use is also an important reason. Being able to spend money without a card and password has become a major injury to credit cards. Take telephone booking as an example. If you buy a ticket by credit card, you only need to provide a few pieces of information such as the validity period of the credit card, the last three verification codes, the cardholder's name and ID number, and the user can complete the payment without a card. Although it is convenient and quick to use, the security holes are really worrying.

From the point of view of ordinary cardholders, cardholders have some wrong card habits because they don't know enough about banking business. Cardholders often pay more attention to convenience than safety in the use of credit cards, do not strictly abide by the relevant provisions of the credit card articles of association, and do not cooperate with the credit card risk management of the issuing bank. For example, some cardholders don't have a password, or the password set is too simple. Once the credit card is stolen or lost, it is easy to be cracked by others, thus making consumption or overdraft;

In addition, due to the improper handling of credit cards by cardholders, such as the failure to cancel expired bank cards in time or to report the loss and reissue them in time, it will also give criminals an opportunity.

What is the principle of credit card theft?

The principle of credit card theft is that others steal your credit card or your credit card information, and then make transactions through your credit card. Or get the magnetic stripe information of your credit card and make a new credit card, so that you can spend it through credit card equipment. There are many ways to get the magnetic stripe information of a credit card, such as someone reading the information with a card reader when you spend money, or the information is stolen when you pay online. It's easy to read and write when swiping a magnetic card.

The reason why the credit card was stolen may be that the credit card was stolen after it was lost, or that the credit card information was leaked, or that someone bought your credit card to steal it. Cardholders do not need to repay the debts caused by the theft of credit cards. Under normal circumstances, the stolen credit card is borne by the borrower, and the public security organ recovers the stolen credit card. Therefore, if the credit card is stolen, the cardholder should report it in time to avoid further losses.

How the credit card was stolen.

1. Card quilt

When swiping a credit card, the payee needs to operate the "swipe card" action on the card swiping machine. And some people, it is possible to take this opportunity to use some kind of machine, such as a credit card machine, to put your card. And when you enter the password, it may have been monitored. In this way, the other party can steal your credit card after issuing a new card and knowing your password.

The number on the back of the card was leaked.

There are seven numbers on the back of the credit card, that is, seven numbers on the magnetic stripe. The last 3 digits of these 7 digits are also called CVV2. Some online payments only need these 7 digits or CVV2, plus the validity period of the card. So when using a card, if the numbers on the back of the card are leaked or peeped by some people, they will use this method to steal your credit card.

3. Secret-free payment has been opened.

If you are a frequent credit card user, you like to pay by credit card, regardless of size. For example, if you go to the supermarket to buy hundreds of items quickly, you also use a credit card. At this time, for convenience, you can open a small or large amount of confidential payment. We know that credit cards include not only magnetic stripe cards, but also chip cards. Chip cards don't need to be swiped in the card slot of the card reader like a magnetic stripe card, but can be paid directly on the card reader, just like a subway card, and you can pay without entering a password. And some people will take advantage of this convenience, bring some kind of machine, rub it on you in the crowd, or when the subway and bus are crowded, so that they can steal your credit card.

4. Binding WeChat or Alipay

As popular as credit cards are WeChat payment and Alipay payment. For the convenience of operation, most people will bind their credit cards to Alipay or WeChat. We also know that surveillance will be installed in many places. If someone accidentally peeks at the password of WeChat or Alipay when paying, then they can log in to your WeChat and Alipay and steal your credit card.

5. Click the link with the virus.

Everyone knows that online red packets are red packets sent through the internet. After you click, you can receive the money paid by the other party. In addition to sending red envelopes among friends, you can also send red envelopes to strangers in QQ group and WeChat group. Of course, strangers can also give you red envelopes. And some people will take advantage of the pie in the sky to send you a red envelope or a link to withdraw money. After you click on these links, the other party may install a virus on your mobile phone or computer and steal your password, thus stealing your credit card.

6. Leaked the verification code

When we consume online, there is a way of consumption called fast payment. You don't have to log in to WeChat or Alipay. Enter the last 6 digits, and then enter the password verification code to pay immediately. Because the password of a credit card is 6 digits, some people may set the password to birthday, mobile phone number, etc. For convenience, these passwords are easy to decipher. Once the password is cracked, only the verification code remains. If you tell others the verification code online or by phone, they can steal your credit card.

7. The mobile phone has been used by others.

Sometimes, we will meet friends or strangers and say to you: the mobile phone is dead and gone. Please use your phone to make a call. You haven't been staring at each other since you lent out your mobile phone. It is this kind of embarrassment that may be used by some people. He can get your verification code through his mobile phone, or pay directly with your Alipay and WeChat. After use, he will delete payment records and text messages, thus stealing your credit card without your protection.

8. The mobile phone or mobile phone number is stolen.

Nowadays, mobile phone numbers are as important as people's ID cards. This is because the mobile phone number is not only a tool for people to contact, but more often, it is because the mobile phone number is bound to the bank card. The password of the bound bank card can be modified by the mobile phone number, and the bound login account can be modified in various ways. It can be said that the mobile phone number is the master key of funds, so if the mobile phone or mobile phone number is stolen, someone will unbind your mobile phone number or intercept your verification code directly through your mobile phone. With the verification code, you can steal credit cards.

What are the reasons for the credit card being stolen? Avoiding these can reduce losses.

Every year, there are many news reports that credit cards are stolen, and usually the losses are borne by the cardholders. Today, we will talk about the reason why the credit card was stolen.

One of the reasons why credit cards are stolen: the credit card website is not standardized.

Cardholders who like "online shopping" or "Haitao" should not be greedy and spend money on some small trading websites. Many overseas credit card gangs will choose these websites to steal accounts.

The second reason why credit cards are stolen is to give them to others to swipe their cards.

When using a credit card, don't give it to others, and don't give it to the clerk at will. Prevent "people with ulterior motives" from taking the opportunity to obtain credit card related information. In short, don't let the credit card leave your sight.

The third reason of credit card theft: credit card information leakage

The information on the credit card is leaked, such as the credit card, the expiration date of the card and the security code, which are enough for people to illegally use and steal the credit card.

The fourth reason why the credit card was stolen: opening an unknown link.

The above are the main reasons why credit cards are stolen. Pay attention to avoid property loss when using it.

What are the forms of stealing credit cards?

Stealing credit cards means that criminals obtain the cardholder's bank card or password through various illegal means, or only obtain information related to the cardholder's identity, and use this information to make fake cards, impersonate the cardholder's identity, swipe cards through POS machines, transfer money at ATM machines, withdraw cash and other illegal acts. Judging from the cases published in the current judicial trials and reported by the news media, there are mainly the following cases of credit card theft: 1, directly stealing credit cards and their passwords. Criminals install card swallowers in ATM machines in advance to intercept real cards and peek at passwords; When the cardholder handles the business, it interferes with the opportunity to replace the real card. After obtaining someone else's credit card, withdraw cash at the bank counter or ATM, or swipe your card at a special merchant. 2. Stealing credit card information and passwords. Criminals obtain the cardholder's card information by installing fake keyboards, cameras and other equipment on ATM machines, automatic door card readers of self-service banks or POS machines, and then clone a new card with cardholder information, and then use the cloned card to withdraw cash or swipe the card for consumption; Or take the amount of credit card information stolen by the cardholder by fraudulent means such as telephone or SMS. 3. Picking up or stealing other people's credit cards, pretending to be cardholders, reporting losses, canceling or changing passwords, and waiting for opportunities to steal or steal funds in the cards. Both of them are thieves, but they are still slightly different, and their responsibilities are naturally different according to their different performances of stealing brushes. After the credit card is stolen, it is necessary to determine the responsible subject according to the actual situation. Of course, the subject of responsibility is different in different situations.

So much for the introduction of how the credit card was stolen.