1, to prevent the loss of credit cards, and pay attention to account confidentiality.

As we all know, once a credit card is lost, there is a risk of being fraudulently used, causing losses to yourself. Therefore, if you lose your card, you must report it immediately. However, everyone doesn't know that even if your credit card has never left you, it may go wrong if it is just watched by others.

As a credit card that meets international standards, its scope of use is exactly the same as that of foreign credit cards, and it can be used by millions of merchants around the world, including a large number of online stores. According to the rules of major card organizations, you only need to provide the card number and expiration date (sometimes you need three digits on the back of the card) when you use a credit card online, so as long as someone peeks at your card number, your money is in danger!

Not only should your card be kept away from irrelevant personnel, but your statement and password notice should also be sent to a safe address by the bank. You can't just throw it away after reading it. You can record your personal information. These useless things fall into the wrong hands, which is likely to cause you heavy losses! These "junk" have your credit card number, home address, details of your expenses and other information. Others can use your credit card information to shop online, estimate your economic background according to your expenses, and then decide whether it is worthwhile for you to go to your home in the middle of the night ... is it terrible? Therefore, we must keep personal information confidential!

2, shopping malls and hotel consumption considerations

When you spend money, the merchant will ask you to sign the transaction documents. Pay attention to whether the recorded amount is correct before signing, and sign it only after it is confirmed. The name on the signature should match the name and handwriting on the credit card. Don't sign a blank or incomplete bill.

If there is an error or cancellation of the transaction, the wrong order must be torn on the spot; If the merchant uses the computer online credit card terminal, please ask the salesman to write a Zhang Chong bill to offset the original transaction, and make another transaction, or ask the merchant for a refund voucher. In addition, the signed bill should be properly kept for future verification and to avoid being forged.

Please confirm whether there are two overlapping bills and try not to let the card out of your sight.

When spending abroad, there are three columns on the credit card bill-basic amount, tip and total amount. You can fill in the tip amount in the "tip" column, add it up, fill it in the "total amount" column, and finally sign the bill. It should be noted that the total amount must be calculated correctly because the payment is based on the total amount. Write one more zero, and the tip will be more. When swiping cards abroad (North America and Europe), sign directly on the POS machine (handwritten LCD screen). Be sure to sign the Chinese that matches the back of the card. Don't sign your English name just because you have gone abroad. If you have problems swiping your card after signing your English name, the domestic card-issuing bank may not be able to help you because your signature is different from that signed at home.

When you swipe your card abroad, pay attention to the currency of the purchase order. For example, there is a big difference between the decimal values of yen 1 yuan and dollar 1 yuan.

When spending by credit card in the same store, it is recommended to select all the goods to be purchased first, and then swipe the card at one time. It is best not to swipe your card more than twice in a row in the same store, which may lead to the acquiring bank rejecting your transaction.

3. Matters needing attention in hotel accommodation and car rental

Hotel accommodation and car rental are different from the general consumption of credit cards. At the time of booking, the hotel will generally ask you to provide your credit card number as the basis for the reservation guarantee, and confirm your reservation number when you check in.

If you want to cancel your reservation, remember to ask the hotel for the check-out cancellation number as a proof of cancellation. Otherwise, the hotel has the right to charge a one-day fee for the reserved room according to international practice.

When you check in, the hotel will ask you to write a blank bill first. If the hotel requires signature, you can sign on the back of the order. When you check out, fill in the consumption amount on the bill, and then you can sign the bill.

If you want to pay in cash when you check out, or sign a new bill for some reason, please be sure to ask for the original bill and tear it up to safeguard your rights and interests. Paying for car rental is similar to hotel accommodation.

4. Matters needing attention in online card use

When using credit cards for online shopping, many people expect a lot of good goods and information online, but they are afraid that their credit cards will be stolen or overcharged by others. In addition to using the SET secure trading system as much as possible, there are several practical methods for reference.

(1) It's best not to swipe your card for shopping websites with no reputation.

There are thousands of shopping websites at home and abroad, among which there must be fabricated figures or deliberate fraud. It is difficult for any card issuer or bank to check tens of thousands of online stores one by one, so the surfers themselves must carry out the first-level filtering action. If you choose shopping websites at home and abroad, you must choose well-known shops. As for unheard-of shopping websites, it is better to avoid contact, although there are attractive goods in the station.

Clever use of encryption function of internet browser

IE and Netscape browser have provided encryption function at present, especially when shopping online, the browser will appear a golden key, a small golden lock or a confidential dialog box on the web page. Don't enter credit card information as long as the words "insufficient security" or "data transmission may be stolen by others" are displayed on the browser. The encryption function of the browser is not as secret as SET, but it is also guaranteed. Online shopping must be proficient in using this function.

(2) Save and print transaction records

When shopping online with a credit card, there must be an order page on the web page. After filling in the credit card information and the name and price of the goods to be purchased, press OK to complete the transaction. Web surfers must file and print the purchase order page separately. This has two advantages: on the one hand, it allows you to check what you bought and how much you spent at any time, and on the other hand, it can be used as a basis to prove to the bank when there is a shopping dispute.

5. Precautions for Return of Goods and Account Complaints

According to the usual practice of credit card transaction, as long as you sign the bill, you confirm and have the obligation to pay the money. If you buy bad goods, please communicate with the store first. If you want to return or replace other products, please ask the store for the original documents.

If the store has sent the bill to the acquiring bank for settlement, please make another return form, write off the original money, and then swipe the card according to the price of the replaced goods.

If there is an extra expense in your monthly statement, it may be the negligence of the special store or bank, the credit card has been fraudulently used or forged, or you may have forgotten it yourself. You can complain in writing to the local correspondent bank, and the bank will access the consumer bill through the acquiring bank.

If you don't receive the goods from the other party or enjoy the service from the other party, your credit card will still be deducted. You should fill in the complaint form in the bank in time, and the bank will negotiate with the other party through the credit card organization. At the same time, you still have to negotiate with the merchant by email or telephone to ask for a refund.

When receiving the monthly statement, you should carefully check the transaction records in the monthly statement. In case of doubt or refusal to pay, you should consult the bank within 60 days from the date of receiving the monthly statement. If it expires, according to the regulations of the international credit card organization, the issuing bank has no right of investigation and recourse against the acquiring bank.

If it is forged or neglected by a special store or bank, you don't have to bear the transaction.

If you read the bank bill due to your negligence, the issuing bank will ask the cardholder to pay a certain bill reading fee, so it is recommended that you keep the unrecorded bill receipt for reconciliation. Bank cards bring convenience and benefits to consumers, but can't they avoid many hidden dangers? What improvements should banks make to ensure the safety of cardholders' "personal belongings" and make them trust and rest assured? The use of bank cards urgently needs to introduce effective management methods.

1. Case: How did the money "run" out by itself?

Case 1:

In the spring of 2003, Miss Tang mentioned 300 yuan at the ATM near her office. A month later, the bank statement was sent to Miss Tang. Miss Tang was surprised to find that Cary's money was more than 2,000 yuan "for no reason". According to the investigation by the bank, this 2000 yuan was taken out by Miss Tang three times in a few days after she took out 300 yuan money from the ATM last time. What is puzzling is that Miss Tang's credit card and ID card have always been with her and have never been lost. In addition, Miss Tang confirmed that no one else knew her credit card password. Then why didn't you lose the card, but the money automatically "ran away"?

Case 2:

On the evening of February 6, 2003, after eating in a restaurant in Shunde, Mr. Xu found his wallet missing when he was about to pay the bill. At that time, he thought it was from home, so he didn't care. That evening, Mr. Xu returned home without finding his wallet. Mr. Xu immediately felt the seriousness of the problem, because there were two credit cards in his wallet and his own ID card, and the bank deposit could be stolen at any time! Mr. Xu immediately called the bank to report the loss. Later, Mr. Xu found that on the evening of February 6, he spent two credit cards in a jewelry store in a hotel in Guangzhou, totaling 35,840 yuan. Moreover, Mr. Xu found that the signature at the time of consumption was obviously inconsistent with his own signature.

2. Bank card: convenient for yourself and "convenient" for thieves?

If nothing unexpected happens, it is a great thing to spend money with a bank card. Stay indoors, don't touch dirty money, and don't shop all over the world. Many credit cards also offer discounts on shopping and even provide convenience for studying abroad. However, if this convenience loses its security and your rights and interests are "conveniently" seized by thieves, do you still miss it?

At present, there are several obvious security risks for cardholders: the first is ATM, where criminals usually use micro/cameras/camcorders to peek at passwords, cheat passwords through false announcements, and cover banknotes with sundries; The second is the internet, where some technical criminals can get money by cracking the passwords entered in the online shopping process; The third is the custody of the card. Once the bank card is lost, the risk of being stolen is very great, because the cardholder may not be able to find the lost card in time, the merchants do not check the signature carefully, and some banks do not provide immediate loss reporting.

Faced with the above situation, bank experts always remind users again and again that they must keep their ID cards and bank cards separately, sign the signature strips on the back of the cards, and form a good habit of sending check card information regularly. ...

However, as long as cardholders do the above, will they be sure to be foolproof?

3. Merchants: irresistible temptation?

When a bank card is stolen, unless the thief knows the password, the way they usually use is not to withdraw money, but to spend it, because the information requirement of "swiping the card" is much lower than that of withdrawing money, and they can easily spend all the funds in the card.

In this link, the responsibility of the merchant is very important. Whether consumers are required to show their ID cards and whether they really check their signatures is the last line of defense for the real owner of bank cards. If the merchants can seriously fulfill their promises with the agreed banks, the losses of consumers can be greatly reduced. However, in reality, the performance of enterprises is often disappointing. Because thieves are eager to spend all the money in their cards, they usually spend a lot of money in shopping malls, especially credit cards, which can be overdrawn and cost more. Faced with this kind of "peddler", some merchants do not seriously investigate the identity of cardholders for their own interests. Even if the handwriting on the signature is obviously different from that of consumers, they still have a green light all the way.

Irresponsible businesses will pay for their actions. The credit card management measures of the People's Bank of China stipulate that when a cardholder swipes a card with a POS machine, the operator shall review the cardholder's ID card and signature. If the signature at the time of consumption is inconsistent with the signature on the back of the credit card or the appearance is inconsistent with the ID card, the operator shall not let the cardholder consume, otherwise it will bear the relevant legal consequences.

4. User: Did you sign an "unequal treaty"?

From the cardholder's point of view, once the bank card is reported lost, the bank will naturally be responsible for the security of the bank card, but at present, it is said that some banks still "insist" on the inherent outdated terms and pass the credit card risk on to the cardholder. It is clearly stipulated in the credit card collection agreement or credit card terms that the cardholder's interests will be frozen for the transactions between the main card and the auxiliary card before and within 24 hours after the loss is reported.

Therefore, when dealing with the security of bank cards, we should not only focus on the custody of cards and the responsibilities of merchants. In fact, cardholders should consider their rights when handling bank cards, and beware of such "unequal treaties".

5. Banks: There is still room for improvement.

Faced with all kinds of doubts from the market, how to improve the management style of banks and rebuild consumers' confidence has become the primary problem of their survival and competition, and some banks with positive attitudes have also indicated that they will continue to improve.

Chen Huanrong, general manager of the bank card business department of China Industrial and Commercial Bank of China Guangdong Branch, had the following views in an interview: swiping a card is in line with international practice. According to the survey, half of the cardholders think it is more troublesome to enter the password by swiping the card, while the other half think that entering the password can better protect their own interests. At present, you don't need to enter a password for peony card consumption, but for large-value consumption, you need to provide a password and show your ID card, and the loss of the card will take effect immediately to ensure the interests of the cardholder.

From abroad, although credit card consumption does not require the use of passwords, banks monitor credit card consumption very strictly. For example, Mr. Chen of the United States recently received a phone call from the bank when he was on a business trip in Singapore, asking if he was spending money in Singapore and verifying the amount of money spent. It turns out that Mr. Chen has been active in America. When he used his credit card to spend money in Singapore, the bank found that it was different from Mr. Chen's previous spending habits and called to verify it. In fact, it is one of the most important means for banks to monitor and verify the abnormal changes in the amount and place of consumption of cardholders.

At present, there are several banks that issue standard credit cards in China, such as China Merchants Bank and Guangfa Bank. The 24-hour call center of China Merchants Bank Card Center will immediately call the cardholder to inquire about the abnormal consumption of the cardholder. In addition, GDB has also launched SMS instant messaging service, that is, the consumption records of any credit card account will be sent to the cardholder's mobile phone in the form of SMS immediately, so that the cardholder can know the changes of his credit card account immediately.

6. Macro-environment: Perfecting the credit system is the key.

Another most important line of defense to ensure the security of credit card transactions lies in the improvement of personal credit system. In developed countries, most consumer behaviors are completed through bank cards, and cash transactions are rare, but this high dependence on card transactions is based on the highly mature and perfect credit system in developed countries. In these countries, almost all the living expenses are linked to credit. Without good credit, there may be many obstacles in life. If you maliciously consume or steal other people's credit records, it will not only be illegal, but also be blacklisted in the personal credit information system, and you will be in big trouble in the future. It is precisely because of a series of serious consequences that this behavior may cause that those who have wild ideas are warned, thus ensuring the interests of cardholders.

In addition, foreign countries also adopt the attitude of trusting consumers in the consumer transaction disputes between cardholders and banks. For example, if a consumer objects to a consumer bill and points out that he has not made this consumption, the bank will generally take the attitude of trusting the consumer and will return the disputed amount. But this is also based on a sound credit system, because in a society with a sound personal credit system, if an individual commits malicious fraud against a bank, his credit record will be greatly tarnished, and the loss will outweigh the gain.

However, in China, although the establishment of personal credit system was put on the agenda in some big cities such as Shanghai several years ago, it seems that no substantial progress has been made. In view of this, banks can only set their own standards for consumer transaction disputes.

Reminder: How to use credit cards safely?

1. Pay attention to protect the password when withdrawing money from ATM. When entering the password, it is best to cover the password button with your hand to prevent it from being stolen by people with ulterior motives. At the same time, don't throw the transaction documents printed by ATM anywhere. Because you don't need to check the identity of the cardholder to withdraw money at ATM, you can withdraw money as long as the password is correct; On the other hand, your credit card number, validity period and withdrawal amount are clearly recorded on the transaction flow document printed online by ATM for cardholders. In recent years, high-tech criminal means have emerged constantly, and some people with ulterior motives just use your carelessness when withdrawing money to steal the relevant information of the card.

2. Develop a good habit of regularly checking your bank account with bank statements. You can go to the bank every half a month or a month to print out your own bank statement (some banks send statements to cardholders every month), and then check the accounts carefully. Once any discrepancy is found, you should contact the issuing bank in time to find out the reasons and clarify the responsibilities.

3. Pay attention to the cashier's operation when the merchant uses the card. If it is found that the amount of credit card is inconsistent with the consumption amount or repeated credit card swiping, it should be questioned and refused to sign the credit card slip.

4. Keep your credit card and password well, and keep your ID card and card separately to prevent them from being lost at the same time, which may lead to the opportunity for others to fraudulently use credit cards. At the same time, don't simply set the credit card password as your birthday, in case you lose it with your ID card and let others try it out easily.

5. Keep in mind your card number, the contact number of the issuing bank and the names of relevant business personnel. If your credit card is accidentally lost in a different place, you should immediately report the loss to the local bank or contact the business personnel of the issuing bank to report the loss by telephone in time, so as to avoid others using your credit card fraudulently and causing economic losses to themselves.

6, for some information, should be carefully verified before processing, and can not be dealt with rashly regardless of the authenticity.

7. In the process of reconciliation, if it is found that the balance of the cardholder's account has increased due to an error in the bank account, the cardholder shall promptly point it out to the bank and ask for correction, and shall not occupy or consume it for the sake of being cheap. Because all bank accounts are well documented, even if some wrong accounts can't be found for a while, the truth will eventually come out. At that time, the cardholder will not only compensate the losses of the bank, but also bear legal responsibility. Isn't it "stealing chickens doesn't make you eat rice?"

8. After swiping the card at ordinary times, you must keep the POS slip, which is valid for three years. I have a special place to keep them. I used a big clip to clip them in the order of swiping cards, kept them for the last three years, and destroyed the previous ones. Even if you cancel your card, the bank will still keep the data of your cancelled card.

9. After opening the card, be sure to cover the three digits at the signature on the back with a sticker. At present, the three digits on the back of an international card (called CVC, CVV or CVV2, and different international card organizations have different names) need to be entered when opening the card. Don't underestimate this three-digit number. This is a password generated by a special encryption algorithm based on your account number, ID card, name and other information. The purpose of asking you to enter when opening a card is to prevent the credit card from being fraudulently used and forged, because credit card criminal organizations can use your card number and these three digits.

In short, in the process of using credit cards, as long as we can consciously strengthen the awareness of risk prevention, protect our credit cards and passwords, carefully check our accounts, and do not give criminals an opportunity, we can ensure the safety of funds and truly realize the advantages of credit cards' safety, convenience, generality and rapidity.