What information needs to be protected on credit cards

Usually, the following information is closely related to our daily use of credit cards. We must pay attention to keeping this information confidential and not leaking it:

1 .++: The series of numbers in the center of the front of the card is ++, and the ++ of each card is unique.

2. Card validity period: A set of numbers in the "MM/YY" format below the card is the card's validity period.

3. Security code: The three-digit number on the back of the card, located behind the signature strip.

4. Password: a set of numbers (usually 6 digits) set by the cardholder, used for consumption and enquiries, or you can choose not to set it.

5. ID number and bound mobile phone number: This is information provided to the card issuer and institution when applying for a credit card, and is not reflected on the card.

How to protect credit card information?

1. Set a password for the credit card: I learned from the bank that if the credit card with a password is stolen, the cardholder shall bear full responsibility. If your credit card is stolen due to the lack of a password, it is relatively easy to obtain protection when applying for compensation afterwards. However, chargebacks often occur in China, and credit cards without passwords have a greater risk of being stolen after being lost. Therefore, it is recommended to set a password for the credit card, and it is strictly prohibited to use birthdays, repeated numbers, 123456 and other easily cracked passwords.

2. Protect all credit card information: Based on the consumption pattern of credit cards, we must not only protect the password, but also properly keep other information contained in the credit card. In the process of daily use and safekeeping of credit cards, cardholders should pay attention to protecting their personal ID cards, credit cards and other information. When swiping the card for consumption, they must keep it in sight. When entering the password, be sure to cover it with your hands. Never give the credit card to strangers. , do not retain or disclose personal information at will.

3. Use ATM machines safely for credit card transactions: When making credit card inquiries, withdrawals, transfers or changing passwords at bank self-service terminals such as ATM machines, pay attention to whether there are redundant devices on the ATM machine. If you find that the ATM machine has It is best not to use an ATM if it is suspected of being artificially modified or if there are strangers acting suspiciously next to it; do not trust the notices such as "ATM failure" or "ATM upgrade" posted outside the ATM machine. All notifications from the bank will only be sent through the electronic display of the ATM machine. Inform cardholders; if they encounter problems such as card swallowing or cash withdrawal failure, do not leave immediately. They can promptly call the customer service number of the card-issuing bank and the customer service number provided on the electronic display of the ATM machine, or go to the bank branch where the ATM machine is located. Ask for help inside the ATM and do not call the phone number posted outside the ATM or provided by strangers.

Will applying for a credit card be confidential to individuals?

When applying for a personal credit card, personal privacy will definitely be disclosed, but banks are generally quite responsible.

What the credit card center should abide by regarding confidential media

1. A safe and confidential place and location should be selected to store confidential media and equipped with necessary confidentiality equipment. Top-secret classified media should be kept in safe and reliable confidentiality equipment and managed by dedicated personnel. Necessary technical and physical protection measures should also be taken in areas where classified carriers are concentrated. Confidential media are not allowed to be taken home or stored in other non-office locations.

2. When staff leave the office, they should promptly put the confidential carrier in use back into the confidential equipment.

3. The document management departments and managers of agencies and units should conduct an inventory and check of the confidential media stored in the current year every year, and report any problems to the confidentiality administrative department in a timely manner. Confidential media that have expired should be recovered in a timely manner, and those that need to be destroyed should be destroyed in accordance with prescribed procedures. Confidential-related media that are required to be removed by superior authorities should be removed in full and in full, and should not be destroyed on their own.

4. Before leaving their posts or resigning, confidential personnel and management personnel of confidential carriers should clear out all confidential carriers in their custody and go through the clearance and handover procedures.

5. Secret-related agencies and units that have been revoked or merged should hand over the secret-related carriers to the agencies, units or superior agencies that assumed their original functions, and complete registration procedures.

What confidential information does a credit card contain?

Credit card companies will actually require merchants to verify the identity of the cardholder based on different customer situations.

You may also notice that merchants that accept credit cards can use different methods to charge credit cards.

The most traditional old way is to put the card on a heavy plane, put a slip under it, fill in the debit code, and then "turn over": put the credit card Pressed on the slip and finally signed by the customer. This practice has been rarely used in recent years. The reason is that this method does not actually verify the authenticity of the card. Counterfeit cards and cards that have been reported lost can also be used. The only thing that can be verified is the signature, but the signature is unreliable. Therefore, it will only be used in places with few silver codes and low transaction volume, or where there is no phone.

The most common way is to use a credit card machine to pay the card. During the card process, the number on the credit card will be transmitted to the credit card center, so you can instantly know whether the card has been reported as lost, the remaining credit limit, etc. But it still cannot eliminate counterfeit cards. Because the information on the credit card tape is actually very easy++. Moreover, credit card company processing centers usually do not have all the global credit card information. If the card is overseas, the results may not be available immediately.

Usually high-risk merchants (such as jewelry, electrical appliances) will ask to see ID cards or passports. A signature is required in most cases. However, there are also transactions where the risk of counterfeit cards is low (the amount of each transaction is low, but the number of transactions is large, such as fast food restaurants) that does not require a signature.

As for the Internet, since it is impossible to see the physical card and the shopper, the risk of using fake cards or other people's credit cards is the greatest. Usually in addition to the card number and expiration date, merchants also need a set of three digits printed on the card. This number is not on the tape on the card, so it is more difficult++. But this is still not enough. Therefore, some online merchants will require cardholders to provide their address; or they will only deliver products to the address on the cardholder's bank record.

The credit card password is used for cash withdrawals. No password is required for normal credit card use.

2007-01-3115:24:39 Supplement:

The method the merchant uses to verify the identity of the card owner will affect the fees the bank charges him. For example, banks charge the highest fees to Internet merchants due to their high risks. If a merchant frequently accepts counterfeit cards, not only may it fail to collect money, but it may also increase costs due to higher bank charges. , 09-86-377-776, a dedicated person will answer the phone, provide you with the latest bank loan solutions from various banks, and serve you with heart to "loan" you to solve any debt problems/

Whether you are a credit loan, mortgage loan transfer Increase, business loans, housing loans, second-child loans, reimbursement, advance, tailor-made for you the most suitable bank loan solution to immediately solve your money worries.

Push...Push...Push, credit card information includes what is visible to the naked eye, credit++ code, expiration date, name of the credit card holder, year of membership, signature and even some unknown information Count numbers. What is invisible to the naked eye include passwords, personal information, etc.

In the past, general purchases only required swiping the card (embossed card information) + signature. Now, it is not necessary to swipe the card, and merchants can also obtain the card information through tape. The signature on the back of the card is designed to facilitate merchants to verify the signature. In fact, there is a risk of signing the card. Some people may deliberately sign incorrectly or falsely out of fear of giving false signatures to someone who finds them.

When making purchases with a credit card online, you usually need the credit card number, expiration date and cardholder name. In some cases, even the expiration date is not required.

You can also refer to the "Visa Verified" service, specially designed for online shopping (visa-asia/apzh_HK/cardholders/security/vbv.s)

In fact, the credit card password is Used to withdraw money or transfer funds.

For merchants to ensure that the cardholder is the real cardholder, the only feasible way is to check with the name on the ID card.

,

This is the end of the introduction about credit card confidentiality and what should be paid attention to in credit card confidential information. I wonder if you found the information you need?