Yesterday, this article "The thief: the POS car to steal the vehicle ETC card funds, the experts have confirmed" received great repercussions, received 300,000 + reading within 24 hours. Some car owners will worry that their bank cards will be "crossed" by the people in the car. In the daily life, you and me, our cards are placed in the wallet, will it be easily stolen by others?
There is a very classic problem in our industry. The problem is: If I take the bus reception equipment out of the backpack, go to the subway or the bus crowd, I can take them all the way. Is the money in the bus card? In the same way, you can go through a POS that can be “non-connected†and then take it from the head of the subway to the rear of the car. Do you want to take the money from the non-connected bank cards? It sounds terrible, it sounds like "grab money."
Do the following 8 articles that I have mentioned to ensure that your credit card will be safe in the future!
Using a credit card requires more protection than a debit card. If your credit card spending is large, once a stolen brush is generated, it will eventually become overdue, which will affect your personal credit rating and affect your future purchase, account opening, going abroad, buying a ticket, etc. .
1. After receiving the credit card, you need to sign your name in the signature area on the back of the card. In this way, once the credit card is stolen, the bad guy takes your card and the cashier can refuse to swipe the card if the signature does not match. If you later create a stolen brush, it is not your signature, you can also evade responsibility.
2. Some credit cards are password-free by default POS transactions, so it is best to enter the password when calling the bank account. If the memory is good, it is the best policy to change the password regularly.
3. The last three digits behind the credit card are CVV (also called CNV, CVV2) code, which is very important. It is more important than your bank card password. In online shopping, you can use the card number, validity period, CVV without password, so there is Stickers are best attached. If you remember well, remember and tear off the three numbers.
4. Don't take photos of credit cards on the front and back of others, try not to use credit cards to collect money from outside. Once your credit card information is leaked, it is easy to be stolen by others.
5. Be sure to open a credit card SMS notification. If a transaction occurs, it will be notified in time. If you find that it is not your transaction, you should call the bank to freeze/lost this card for the first time.
6. Once the credit card is found to be abnormal, follow the previous one and you can apply to the bank for a stop payment and report the loss.
7. Your credit card bank and customer service number must be kept in mind, there is something to call the first time, and beware of other numbers to swindle you.
8. Expired cards must use scissors to cut off the terms of this card to ensure that their card information is not leaked twice.
Among them: What are the important roles of CVV ​​and CVV2 codes?
CVV and CVV2 codes are just as important as passwords in different trading scenarios!
Trading Scenario 1: Swipe Trading
That is to say, "swipe" at the terminal such as POS/ATM, and sign the authorization (signing purchase order) to complete the transaction. In this case, the terminal such as the POS machine needs to read the card number and CVV1 information in the track, and the cardholder can enter the password to complete the transaction. It can be said that CVV1 is an important identifier used by the issuing bank to verify the authenticity of the card.
Trading scenario 2: offline trading
Generally also called "no magnetic and no secret transactions." Generally used in hotels, air travel and other real-name industry applications, providing credit card number, CVV2, validity period, cardholder name, ID number and other information, you can complete the transaction.
Is a credit card good or two? More?
The section chief suggested that the credit card be one more, more difficult to manage, and may even be overdue, which has an impact on his credit score. Second, how much a person's purchasing power is still there.
When the female squad leader of the Kechang University graduated and started a business, he started to do a good job. Later, he lost money. Finally, he set up a number of credit cards to dismantle the East. The cost of cashing in credit cards is also very high. As a result, the profit rolled into a big ball. She didn’t have income every month but owed the bank tens of thousands. Every day I woke up to pay the money. It felt like the sky was gone. I went home and cried for a week. Fortunately, her parents. It is okay to use the conditions of the family to help her make up the account owed to the bank credit card.
Having said that, the conditions of the family are good, if the conditions are not good? (selling? It’s not like bare strips)
Credit, your personal credit affects your life
We must know that if the credit card is overdue, the credit of life will be blackened. Although there is no such thing as a foreign card in the country, it is thought that the credit in the future life has been wiped out. Is it not sensible to hate yourself?
Credit is a mirror. Once broken, it can no longer be restored.
Imagine: "If you are not greeted by the sun every day, it is not a good mood, it is a credit card with arrears. Is it heavy and heavy?" The reason why the credit card is a pit is because it is invisible when it is consumed. It is difficult to find out what percentage of the money that is brushed out in the income and deposits. When I brushed it, I couldn’t feel the account balance reduced. When I next paid my salary, I returned a credit card. How do you feel it?
How to ensure safe credit card for outbound travel?
Recently, the section chief has colleagues coming back from Europe.
Marveled that "China's credit card in Europe does not need a password."
Then if the credit card was stolen
Can anyone brush?
@咖啡银行: Going to Sri Lanka, still in the middle of the road, one morning I woke up and suddenly found more than a dozen consumer messages on my mobile phone. The credit card was stolen 13 times, amounting to thousands of dollars (in several different currency settlements) , specifically unknown).
@åƒQæƒ : Last year, I booked a hotel in Istanbul on Booking and was stolen by more than 20,000 RMB. After more than a month, I finally got it back.
"1. Try to only swipe your card in a regular large shopping mall."
Large shopping malls or restaurants generally do not have problems. Some remote small stores may have the effect of copying credit card information. Many domestic credit cards are magnetic stripe, which is less secure than chip cards. Therefore, when shopping in a small store, it is safer to prepare some change in case.
"2, signing on the back of the credit card"
When you swipe your card overseas, most transactions do not require a password, so signatures are often considered valid. Therefore, the section chief said that it must be signed in the signature area behind the card, try to sign Chinese, so that the foreign devil is difficult to imitate. Another point is that you can only sign and do not set a password when the credit card is processed, so that the responsibility is stolen by the bank and the merchant when the card is stolen.
"3. When paying by credit card, don't let the card leave your sight."
When a credit card is paid online, it only needs the card number, name, expiration time and the CVV2 code behind it, so if someone writes down or takes your credit card information, then the stolen brush will easily happen. There used to be a Chinese aunt who found in the store that foreign cashiers sweared at the cards and kept their cards safe.
"6, must be replaced by a financial IC card"
If your credit card is still a simple magnetic stripe card, it is really OUT. It must be upgraded to a financial IC card. It is a financial IC chip on the card. It is very safe to use this chip card transaction, and it will not be recorded. Your bank card information.
All of the above are measures to prevent theft
Then "If the credit card is stolen,"
How to recover it?
Or if you minimize the loss
"1. Long-distance roaming is guaranteed to ensure that you can receive the consumption reminder at the first time."
Still, you must open a bank SMS notification (most bank credit card SMS notifications are included). In addition, if you are going abroad, you must open a mobile phone international roaming to ensure that you can receive SMS in time. Some bank cards provide public number. And APP notice, then you have to protect your mobile phone 24 hours online, not only can accept the news, you can guarantee that the first time you find the credit card stolen brush is the key to recover the money. If it is found on the repayment date, the possibility of recovery is very small (don't ask me how I know, it is the experience of blood and tears (qian)...).
"2, buy stolen brush insurance"
Buying travel insurance must be clear. Some insurances include the risk of bank card consumption. Read the terms carefully when purchasing.
"3. Notify the bank as soon as possible"
When you find that your credit card is not your own consumption behavior, you can inform the bank to freeze the account at the first time to prevent more losses. You can also ask the bank to track the consumption records in time.
"4. The first time to go to a nearby consumption"
If your credit card is on the body, but you are not aware of your card's non-stop consumption, this consumption is not your operation. This is 80% of the time is recorded, go to the nearby ATM to take a sum of money, or to brush the card once, Prove that the credit card is by your side.
"5. Contact the merchants who have consumed the purchase"
Identify the business information that occurred in the fraudulent record and contact the merchant requesting the investigation related to the fraudulent consumption record. If necessary, you can go to the local police agency to report the case, ask the police agency to assist in the collection of evidence and advance the investigation.
How to use credit card "pre-authorization" to be safe
When you book a hotel or stay at a hotel, you often need to use the "pre-authorization" feature. However, for "pre-authorization", the section chief always feels a little uneasy:
1. Is it safe to use "pre-authorization"? Will the merchant debit without permission?
2. Sometimes cancel the hotel order online, how to lift the "pre-authorization"?
Today, the section chief will give you all the moves at the bottom of the pressure box.
1. "Pre-authorization" is safe, it can be simply understood as the concept of 'deposit'. The pre-authorization only occupies the quota, and the merchant cannot apply for deduction from the bank when the transaction is confirmed without pre-authorization.
2. At the time of hotel settlement, if you swipe your card or pay in cash, you must ask the merchant to cancel the pre-authorization transaction simultaneously.
3. If there is no face-to-face checkout, the hotel will automatically deduct your transaction amount from the card issuer according to your purchase record or receipt, within the validity period of the pre-authorization, according to your consumption record or receipt. .
4. Many hotels now require a credit card guarantee when booking online for guaranteed occupancy. Sister wants to remind everyone that if you need to cancel the order, but it is not processed before the time specified by the merchant, the merchant will deduct the corresponding room rate or ticket price according to the agreement. In this case, you cannot refuse to pay!
5. Therefore, if you want to cancel your reservation, you must go through the cancellation procedure with the hotel or agency before the specified time, and ask for the cancellation number as a cancellation certificate! (Bank SMS notifications are also counted)
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