The advent of the era of personal credit has attracted more and more credit card users, and the risks have followed. Although people's awareness of risk prevention is constantly improving, "the saints have a lot of thoughts, there must be a loss", and when the risk is inadvertent, the risk comes down...
At the end of the year, criminals used POS machine fraud activities to bring economic losses to merchants and original cardholders. How should we fight these "squirrels"? ? ?
Merchants should pay special attention to these situations:
Many lawless elements use the method of stealing credit card information to make fake cards, and the merchants fall into the pit without paying attention (the fake card transaction losses will be borne by the merchants, and the merchants can't afford the transfer to the service providers!). A pseudo-card is a card that the criminals use to copy the original card information by technical means to illegally swipe or cash, rather than the card used by the credit card.
The criminal may read the user information on the ATM machine, or it may be the secret of the pos machine operator. Of course, there are also card users who send them to their own stores. Cards can be stolen through black intermediary or cash.
When the card is swiped, how can the merchant quickly identify the forged card, these details should be noted!
First of all, when you receive a credit card, you need to check it. The card should be intact and there is no trace of alteration.
Secondly, credit cards have a time limit, but few people pay attention to it. Pay attention to the expiration date when you swipe your card. If you have expired, you should be vigilant.
Another kind of we are more likely to ignore when we are busy, that is, the card information is inconsistent with the small ticket. If the credit card issuer, card number, etc. does not correspond to the information on the ticket, decisively refuse.
Sometimes the customer will ask for a separate order or switch to another card after the large amount is rejected. This type of cardholder needs to pay attention.
For merchants, paying more attention when swiping the card can avoid most of the risks. As a law-abiding cardholder, we should pay attention to all aspects and not give criminals a chance.
Card users can guard against this:
—— When applying for a credit card, it must be handled through formal channels. The submitted application materials should indicate the purpose and date, and indicate that it is only used to handle a certain bank credit card. The materials are kept in a safe place and are not freely handed over to others.
——Users who do not frequently check the consumption information habits, try to apply for SMS reminders, so that you don’t know if the money is being brushed. When there is an abnormal transaction, it is also convenient to report the loss and report the case!
——Do not rush to use ATM machines with suspicious devices to prevent card readers.
——When the card is swiped, the whole process should be supervised. Try not to let the operator leave his sight, pay special attention to hotel consumption.
Of course, we should take the initiative to reject the black intermediary, increase vigilance and prevent risks. Because of the profit, you may be victimized.
The popularity of credit cards has brought a lot of convenience to life, and we also hope that the risk awareness of credit cards will be spread to every user, making their own funds safer.
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