Bank card security knowledge Compared with cash, bank card is a safe and fast means of payment. At present, various commercial banks and UnionPay have adopted various technical means and security measures to maximize the safety of cardholders' funds. However, it is very important for cardholders to have some necessary security awareness when using bank cards, understand some common bank card crime methods, and master basic prevention skills. The following are the top ten security issues that cardholders may encounter when using bank cards: \x0d\\x0d\ Question 1: How should cardholders protect the security of their bank card information? \x0d\\x0d\ Some criminals will steal the cardholder's bank card account\x0d\ information, forge counterfeit cards and then steal the cardholder's account funds, and steal other people's identity information and then pretend to be others to apply for a credit card. Overdraft consumption. Therefore, cardholders need to protect the security of their bank card account information (card number, password, etc.) and personal information. \x0d\\x0d\　Tips for prevention: \x0d\\x0d\　1. It is important to set a clever password. Cardholders should change their password immediately after getting a new bank card, and should change their password regularly. Set some relatively complex passwords, do not set simple passwords such as 123456, 888888, etc., and change passwords regularly; do not use your birthday, home phone number, etc. as passwords, and do not easily disclose bank card passwords to others under any circumstances. Account information. Remember, no one (including bank staff) has the right to ask for your PIN. \x0d\\x0d\　2. Cover your personal information. Cardholders should pay attention to protecting their personal information to prevent personal information from being abused by criminals. For example, do not leave your personal information to unfamiliar companies or individuals, and do not leave your true personal identity information (including family and work information) on the Internet. For example, when you need to leave a copy of your ID card to handle a certain business, it is best to It is good to indicate the purpose of the copy, such as "for recruitment only" and so on. \x0d\\x0d\ Question 2: I often see advertisements online or in newspapers claiming to be credit card intermediary service agencies authorized by banks to help apply for gold cards or provide credit card financing. Are they trustworthy? What should I do if I want to apply for a credit card? \x0d\\x0d\ Generally speaking, most of the so-called intermediaries that claim to help apply for gold cards or provide credit card financing services are not trustworthy. People who want to apply for a credit card should pay attention to the following knowledge: \x0d\\x0d\ 1. Apply for a credit card through formal channels. If you want to apply for a credit card, you should go directly to the bank counter or a formal marketing agency authorized by the bank. Such marketing agencies do not need to pay any card application fees, and they will not do it for you. Provide credit card financing or cash withdrawal services. \x0d\\x0d\　2. A credit card is a revolving credit limit granted by the bank based on the applicant's personal good credit status. The card-issuing bank will adjust the corresponding credit limit based on the cardholder's use of the credit card and credit status. Therefore, you cannot go through some illegal intermediaries for temporary convenience or to obtain a higher credit limit, and you cannot actively participate in credit card cash out. Once discovered by the bank, it will cause great damage to your personal credit status. \x0d\\x0d\ 3. If cardholders find illegal intermediaries or cash-out merchants, they are welcome to actively call the card-issuing bank or UnionPay customer service hotline 95516 to report it, so as to maintain a healthy development environment for bank cards. \x0d\\x0d\ Question 3: What should cardholders pay attention to when using bank card self-service terminals such as ATMs? \x0d\\x0d\　 Some criminals will set up some "mechanisms" in self-service banks and ATM machines, and at the same time peek at the password from behind. When the cardholder cannot make normal transactions or create the illusion that the card has been swallowed, they will pretend to be a good Samaritan to help swipe the card and take advantage of the opportunity. Put the card out of the package or wait for the cardholder to leave before taking the card out and using it. Therefore, cardholders should be careful when using bank card self-service terminals such as ATMs. \x0d\\x0d\ Tips for prevention: \x0d\\x0d\ 1. Be careful when using self-service banking service terminals and pay attention to whether there are suspicious people around you. Avoid interference from others during operation to prevent others from peeking at passwords and encountering card swallowing. , failure to dispense cash, etc., you should call the card-issuing bank’s national unified customer service hotline to get in touch with the card-issuing bank in a timely manner.

\x0d\\x0d\　2. Don’t trust “well-meaning people” easily. Do not call the phone number posted next to the machine, and do not discard printed receipts at will. In addition, you do not need to enter a password for card access control. \x0d\\x0d\ 3. Keep the card in your eyes when swiping it for consumption. When swiping your card to enter your password in public places (such as supermarkets, restaurants, etc.), you can block the password keyboard with one hand to prevent others from peeking into your password. \x0d\\x0d\ Question 4: How to identify fake text messages or phone calls? \x0d\\x0d\　SMS and phone call fraud are criminals who fabricate some seemingly reasonable reasons through telephones, mobile phones and other communication tools, and take advantage of cardholders' greed for gain or nervousness and fear to defraud cardholders' account funds or card numbers and passwords. A fraud technique that involves waiting for account information or tricking cardholders into going to an ATM to make transfers, etc. Common ones include: currently popular SMS scams that pretend to be bank notifications or lottery winning notifications, similar to "winning a lottery", "bank card consumption", "car purchase tax refund", pretending to be a mobile employee to "refund mobile phone bills", or making phone calls Scams that falsely claim that cardholders’ relatives and friends are in need of funds due to emergencies, etc. \x0d\\x0d\ Tips for prevention: \x0d\\x0d\ 1. When receiving suspicious letters, emails, text messages, phone calls, etc., you should confirm carefully, do not take advantage of small things, and do not be nervous or afraid. \x0d\\x0d\　2. If you have any questions, you should go directly to the counter of the card-issuing bank, or call the unified customer service hotline of the card-issuing bank (usually starting with "95") or UnionPay's 95516 service hotline. \x0d\\x0d\ Question 5: What should I do if I encounter suspicious text messages or phone calls? \x0d\\x0d\ First of all, it is to identify the pattern of false text messages. The "Bank Card Management Office", "Joint Administration", "National Finance Center" and other institutions in the fraudulent text messages do not exist at all. Please be sure to be careful after receiving such text messages. careful. Answer supplement \x0d\ Secondly, identify the bank card transaction information content in the false text messages. The false text messages will never contain information such as the bank card number where the transaction occurred. \x0d\\x0d\　Once again, multiple eyes identify "Li Gui". If you call the number left in the fake text message, you can ask the other party if they know your mobile phone number or card number. Since fake text messages are sent randomly, scammers generally have no way of knowing it. \x0d\\x0d\ Finally, no matter what the excuse is in the false text messages, the most important point is that the criminals will leave various phone numbers. Once you call, the other party will eventually direct or ask you to go to the ATM. operate on. Therefore, remember not to go to the ATM to perform any operation according to the instructions of the person on the phone. If you have any questions or are not sure, you should go to the bank counter, customer service center or authoritative department for consultation in time. \x0d\\x0d\ Answer supplement Question 6: What are the characteristics of the reminder text messages sent by banks to cardholders? How to distinguish legitimate text messages from fraudulent text messages? \x0d\\x0d\ If the cardholder has opened the SMS notification service for bank card account changes, the regular SMS will clearly display the user’s bank card consumption time, location, consumption amount and the last digit of the card number. The information is very clear. . If it is a fake text message, since the criminal who sent the fake text message does not know the cardholder's real card number, the fake text message will never contain the bank card number where the transaction occurred and other information. \x0d\\x0d\　Question 7: What should cardholders pay attention to when using online banking or online payment? \x0d\\x0d\ Some criminals often use emails, network hacking software and terminal equipment to lure cardholders to log in to fake online banking websites, and then steal the cardholder’s bank card number, password and other account information. , make fake cards or make purchases and transfers. \x0d\\x0d\ Tips for prevention: \x0d\\x0d\ 1. When cardholders make online payments and online banking, do not use unknown links or bank websites provided by emails. When logging in, carefully check the website name and logo. Correct, especially the formal online banking address usually starts with "https:", while the fake website is usually just a simple "http:"; do not operate online banking or conduct online transactions in public Internet places such as Internet cafes. The password length is Wait as long as possible.

\x0d\\x0d\　Answer supplement 2. Choose a website that is well-known, has a good reputation, has been operating for a long time, and cooperates with well-known financial institutions to understand whether the data in the transaction process has a secure encryption mechanism. Shop from vendors you are familiar with or well-known to avoid having your bank card number or other personal information stolen due to unfamiliarity with the vendor. \x0d\\x0d\ 3. Pay attention to keeping records of online purchases for inquiry. Once you find any unknown expenditures, you should contact the card-issuing bank immediately. \x0d\\x0d\ Question 8: If a cardholder unfortunately falls into a scam set by a fraudster, how can he reduce his losses? \x0d\\x0d\　1. Timely call the customer service hotline of the card-issuing bank or report fraudulent transactions directly to the bank counter, monitor bank card transactions or freeze or stop payment of bank card accounts; \x0d\\x0d\　2. Respond to losses that have occurred or If the situation is serious, the case should be reported to the local public security agency in a timely manner; \x0d\\x0d\ 3. Cooperate with the public security agency or the card-issuing bank in investigation and evidence production. \x0d\\x0d\　Answer supplement Question 9: Why should cardholders protect a good personal credit record? \x0d\\x0d\　Card holders must maintain a good personal credit record. At present, our country is advocating the construction of a trustworthy society. The People's Bank of China has established a nationwide basic personal credit database. China UnionPay has also shared information on bad card usage among banks. Therefore, if an individual has good credit It is recorded that the card-issuing bank will not only adjust the credit card limit in a timely manner, but will also bring great convenience to individuals in other business transactions with banks and other departments in their daily lives. \x0d\\x0d\ Question 10: Which cards use "signature" to confirm and which cards use "password" to confirm transactions? \x0d\\x0d\ "Signature" and "password" are one of the ways for cardholders to confirm bank card consumption, and are important means to protect the security of cardholders' funds. \x0d\\x0d\ Generally speaking, the debit cards used by most of us (that is, cards that generally have funds pre-stored in the card and do not have an overdraft function) use passwords and signatures to confirm consumption, and many domestic Credit cards (credit cards, quasi-credit cards) issued by banks provide the function of confirming transactions with passwords or signatures, which can be chosen by the cardholder. Supplementary answers \x0d\ Major card issuing banks and China UnionPay customer service hotline: \x0d\\x0d\ Industrial and Commercial Bank of China (601398 Quotes, Stock Bar) 95588 Agricultural Bank of China 95599 Bank of China (601988 Quotes, Stock Bar) 95566 \x0d\\x0d\ China Construction Bank ( 601939 Quotes, Stock Bar) 95533 Bank of Communications (601328 Quotes, Stock Bar) 95559 Industrial Bank (601166 Quotes, Stock Bar) 95561 \x0d\\x0d\ China Merchants Bank (600036 Quotes, Stock Bar) 95555 Postal Savings and Remittance Bureau 11185 China Everbright Bank 95595 \x0d\ \x0d\　Minsheng Bank (600016 quotation, stock bar) 95568 Shenzhen Development Bank 95501 Hua Xia Bank (600015 quotation, stock bar) 95577 \x0d\\x0d\ Shanghai Pudong Development Bank 95528 CITIC Bank (601998 quotation, stock bar) 95558 \x0d\\x0d \?Guangdong Development Bank 95508 Bank of Shanghai 962888 \x0d\\x0d\?China UnionPay 95516