Bank card use safety knowledge:
(1) bank cards also have a "shelf life": being kind to bank cards will help extend her "life". It is best to put the bank card in a hard leather wallet, not too close to the magnetic buckle; Prevent sharp objects from being worn, scratched, twisted or damaged; Do not store them together or put them back to back, so as not to rub the magnetic strips against each other. Don't put the card within the influence of high magnetic appliances such as microwave ovens and refrigerators, and try not to put it with magnetic objects such as mobile phones, computers and handheld computers to avoid degaussing and "deterioration";
(2) Keep the bank card properly: Please store the bank card and ID card separately. Don't put your wallet with your bank card in your coat pocket, or put it in your car or locker in some public places where you need to put your coat. Don't lend it to others, don't show it off everywhere, and don't disclose the bank card number and password at will. Remember to copy the card number and the customer service phone number of the post office separately, and keep it properly so as to contact in time in case of an accident:
(3) Give yourself a bank card to lose weight: It is not necessarily good to hold multiple bank cards. We should comprehensively compare and integrate the functions of multiple cards according to the actual use of cards. Choose a bank card tailored for yourself to improve the management efficiency of personal funds. Unused sleep card should be closed as soon as possible to reduce unnecessary expenses.
(4) Pay attention to the collection of bank cards: when handling bank cards or having to reissue new cards for some reason, if you collect them at post office outlets, you should check whether the password envelope is intact. If you are a mailer, please pay attention to receiving a new card letter and password envelope. When you receive a letter, first check whether the seal of the envelope is unsealed, damaged or shows signs of re-pasting. Check whether the name and gender of the raised letters in English on the front of the bank card are consistent with what I filled in the application form. Sign your name with a familiar pen on the signature strip on the back of the card. According to the prompt of the card issuing post office, complete the "card activation" at local outlets or through telephone banking, that is, start the card program and modify the password at ATM in time. If you still haven't received the letter after a period of time, you should ask the issuing post office whether the card has been sent, and check the address to avoid the risk of being lost or stolen in the middle.
(5) Understand the restrictions on the amount and number of withdrawals from ATMs: Generally speaking, the card-issuing post office determines the cumulative limit, single maximum limit or daily withdrawal times of its bank cards on ATMs under the basic regulations of the People's Bank of China. International cards will also have restrictions on the amount and number of withdrawals abroad. If you need a lot of cash urgently, please be prepared in advance:
In order to avoid the embarrassing scene that money can't be spit out.
(6) consumption abroad should be cautious: the bank card purchase list has three columns: basic consumption amount, tip and total amount. You can fill in the tip amount and the actual consumption amount in the "tip" column, add them up and fill in the "total amount" column, and then sign for confirmation. The total amount must be calculated correctly. Write one more zero, and the tip will be more. You must be reminded that when you swipe your card abroad, you should pay attention to the currency of the purchase order, such as 1000 yen, 100 1.
There is a difference of "108,000 Li" between dollars.
(7) Signature consumption card: When handing over the cardholder's bank card to the merchant cashier, try to keep the card within your sight, and pay attention to the number of times the cashier swipes the card. Please pay attention to whether there are two copies of the purchase order, carefully check whether there is any error in the amount and currency on the purchase order, and try to match the signature style on the back of the card.
(8) Abnormal transaction handling: As long as the POS documents are not printed successfully during credit card consumption, the transaction is deemed unsuccessful, but it does not include paper jam and paper shortage. When the transaction is unsuccessful, you can check the card status and account balance to confirm whether the card status is normal and whether the unsuccessful consumption amount is recorded. If the card status is abnormal, the reason should be inquired; If the consumption amount has been recorded, you can ask the bank to assist in the inquiry and recall the unsuccessful consumption amount.
(9) How to change or stop the card: When you ask the bank to change the card because the magnetic stripe of the old card is damaged or the card is expired, the bank will issue you a new bank card. After receiving the new card, check whether the card numbers of the old and new cards are consistent and pay attention to the service life. If it is a lost or stolen new card, the card number will be completely different from the old card. After receiving the new card, you should complete the card opening procedure first. When you take the initiative to apply for card suspension, please contact the bank by phone before cutting the card and sending it back to ensure that your card is no longer used.
If the bank card cannot be used when it expires, the creditor-debtor relationship of the account will remain unchanged.