Eight strokes to prevent fraud and build a safe card environment

From the end of the year to the end of the year, with the advent of the peak consumption, the Industrial and Commercial Bank of China Chongqing Branch specifically reminded the public to pay attention to prevent bank card fraud and develop good card habits.

Since the first Peony Card was introduced on October 15, 1989, ICBC Credit Card has developed over the past 25 years, from small to large, from large to strong, from scale expansion to quantitative quality, from the domestic to the global perspective. The historical transformation has explored a new path for the development of credit cards with fast growth, high efficiency and good quality.

The data shows that in 2006, ICBC credit card broke through 10 million in China, and in 2009 it broke through 50 million, and in 2013 it broke through 80 million. In 2014, it took the lead in realizing more than 100 million credit card issuance in China, ranking first in the Asia Pacific region as the first credit card issuer, and among the top three credit card issuers in the world. At the same time of the rapid growth of card issuance, ICBC's core business indicators such as credit card consumption and overdrafts have been ranked first in the domestic industry for a long time, especially in the fast-responding credit card consumption era, the commonality and individualized needs of customers, actively enriching product functions, Optimize the card service environment, expand the benefits of the people, and build a safe card environment, etc., effectively meet the customer's convenient consumption and convenient payment needs.

In particular, in the construction of a safe card environment, ICBC continued to innovate risk management concepts and build a comprehensive security mechanism to provide customers with a safe and convenient card and business development, and became the first in Asia to receive the “Visa 2014 Asia Pacific Best”. Commercial Bank of Risk Control Awards.

Eight strokes to prevent bank card fraud, please look over

Use card security to attract attention, how to effectively prevent bank card fraud? A few days ago, in the special campaign for the illegal sale of bank cards on the bank card organized by the People's Bank of China, the staff of ICBC Chongqing Branch introduced eight kinds of tricks to prevent bank card fraud.

First, do not easily disclose personal information to others including your ID card number, bank card number and other information. If you have doubts that need to report the case, you must go to the financial department such as the bank to consult or report to the local public security organ. Do not call the phone number provided by the suspect.

Second, pay attention to the safe use of online banking, install the necessary anti-virus, anti-trojan software and online banking security controls, confirm that the login is a real bank website, do not easily receive unfamiliar files, and do not easily use other people's computers to log into online banking.

Third, the use of self-service banks should be vigilant. At present, the self-service bank door has been gradually transformed into a button-open type. When the self-banking withdrawal is found, if there is a suspicious device at the automatic bank entrance or exit, or there is a prompt message such as “by password confirmation”, please do not swipe the card and enter the password, and promptly go to the bank. And the public security organs report.

Fourth, we must pay attention to separate the card and ID card. There are many people in their lives who put their ID cards and bank cards together. Once they are lost or stolen, the cardholder’s funds are highly likely to be lost.

5. Don't let the bank card leave your line of sight when you use the POS card to spend or transfer money. After the card check amount is correct, you can sign the purchase settlement statement and prevent the returned bank card from being transferred. In addition, the signature pattern should be as consistent as possible on the card.

Sixth, try to open the balance change SMS reminder business, so that you can more easily and timely grasp the card information of your bank card.

Seven, protect the bank card password. When entering passwords in various channels such as ATM and POS, you should properly block them to prevent others from peeking. When registering users on various websites (such as shopping websites), do not use your bank transaction password, or store your account and password information on a networked computer or email, or write your password on your passbook or bank card. On, prevent password leakage. Don't be too simple to set the password. Don't use your birthday, phone number, repeat or continuous number (such as 888888, 123456), do not change the bank password regularly, and do not provide criminals with opportunities.

Eight, pay attention to whether there are suspicious cameras on the ATM. If you see some small strips on the side, such as emergency notices, especially when you ask the cardholder to make a phone call or provide password information, be more vigilant and don't be fooled.

Please pay attention to the three major card considerations

In recent years, bank cards and ID cards, which are personal credit signs, have been resold as commodities on the Internet. Lawless elements even sell bank cards, ID cards, network shields, mobile phone cards, and account opening information through online malls, commodity trading platforms, and blogs. Wait, seriously infringe on the legitimate rights and interests of financial consumers and disrupt the social environment of fairness and integrity. On the other hand, with the popularity of Internet shopping and mobile payment, more and more citizens are keen to use bank cards to consume online. When cardholders enjoy the efficient and convenient service of bank cards, some lawless elements are also eager to invade. Risk events for the safety of citizens' funds have occurred from time to time.

In this regard, ICBC Chongqing Branch carefully studied bank card fraud cases, reminding the public to use bank cards correctly, ensuring bank card security, and developing good card habits. In particular, three major card considerations were proposed:

First of all, it is recommended that cardholders not use third-party software that needs to input the complete bank card number, password, and mobile phone number. They should not use rogue software that automatically extracts short messages and mailbox information, because their system is vulnerable to hackers. You can also see all the personal information in you.

The second is not to use the mobile phone to access the virus website, but also to develop the habit of changing the credit card password every fixed period of time, constantly update the password, and develop the habit of not passing the credit card number and password in the chat software, mobile phone text message, email information. To avoid theft of credit cards.

In addition, it is necessary to develop a custom card real-time SMS reminder business habit, whether it is a bank savings card or a credit card, when the card funds change, you can notify yourself. At the same time, more lawless elements now use fake text messages to steal user information. If they find suspicious things and cannot distinguish themselves, they should check with the bank staff in time.