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How to keep your bank card?
The main components of bank cards are plastics, magnetic strips and chips. They are vulnerable to external forces and environmental impacts. If they are improperly stored and used, they may be deformed, broken, weakened in magnetic properties, damaged by magnetic strips, degaussed, etc., and cannot be recognized normally. Or read the information, causing the bank card to fail. The bank card magnetic strip records and stores your relevant information. If the magnetic stripe information is weakened, changed or lost, when you use the card, the terminal equipment such as POS and ATM may not be able to read the correct bank card information, causing the transaction to fail. . Therefore, it is best to put the bank card in a wallet with hard skin and prevent sharp objects from being worn, scratched or deformed; multiple bank cards should not be stored together, or two bank cards stacked back to back . Bank cards should be as far away as possible from induction cookers, microwave ovens, televisions, refrigerators and other electrical appliances. Try not to put together magnetic objects such as mobile phones, computers, handheld computers, magnets, Wenquxing, and business communications.
When you go out, please do not put all the bank cards in the same bag. In the public place where the jacket is placed, do not put the wallet with the bank card in the jacket pocket, and do not put it in the car or the locker. Keep it with you and don't lose it. For bank cards that are not used temporarily, they should be locked in drawers or cabinets. Do not place them at will, so as not to cause others to greedy, stealing and stealing. In order to avoid loss of bank card loss, it is recommended that you store the bank card, password and ID card separately. Remember not to inform the bank card number of others at will, do not lend the bank card to others, otherwise bank card deduction, stop payment and funds are very easy to occur. Losses and other circumstances, and even caused debt disputes.
It is best to copy and keep the bank card number and the service bank telephone number of the issuing bank separately, and keep it in the address book of the mobile phone, so as to get in touch with the issuing bank in the first time of the accident to avoid loss.
Common means of bank card fraud?
First, fraudulent use of other people's ID cards and other valid identity documents to apply for bank cards for fraud;
The second is to use the psychology of people's paralysis and credulity. Use fake cards, empty cards, and "emergency notices". For example, criminals put a so-called "emergency notice" on the ATM, claiming that the ATM system is infected by viruses. To ensure the safety of user funds, users must transfer funds to On the designated account, as long as the user transfers funds to the account, the funds in the bank card will be immediately taken away by the criminals. Therefore, don't trust "emergency notices" and "announcements" to prevent being deceived. Seeing the "emergency notice" next to the ATM, asking you to provide password information, is definitely not the behavior of the bank, but the criminal who maliciously steals the cardholder's information;
The third is high-tech crimes, such as installing a miniature camera on the ATM, using high-tech crimes such as card thieves. For self-service operation, you should pay attention to whether there are any "devices" such as cameras on the ATM. There is also the door to the self-service bank generally requires credit card to enter, when the card is swiped, the password is not required. Some criminals change the access control device of the self-service bank, and require the password to be entered after the card is swiped. If you encounter this situation, you must not enter your password and you should contact the bank immediately.
In view of the above situations, you should protect your personal information, do not work on the street, do not entrust others to handle loans and apply for bank cards, and do not transfer personal information to third parties. Indicate the purpose when providing a photocopy of your personal ID card. Do not inform others of the bank card number, activation date, expiration date, password, ID card number, etc. The card should be carried with you. When the ATM premise, inquiry or credit card consumption on the POS machine needs to input the password, the operation should be blocked. Don't drop the ATM withdrawal, inquiry and POS purchase receipts, you must take them back for safekeeping or processing.
According to the provisions of China's criminal law, it is a criminal offence of bank cards and will be subject to criminal punishment.
How to properly handle bank card loss reporting?
When your bank card is lost, you should report it as soon as possible. Reporting losses are generally classified into temporary loss reporting and official loss reporting. Temporary loss reporting generally refers to the loss of the phone's verbal report. You can call the service bank of the issuing bank, and some of the issuing bank's call loss will be effective in a timely manner. Some issuing banks only help to prevent temporary losses, and do not bear any losses. Temporary loss may exceed the specified time. The official report of loss is a written loss. You can go to the designated bank of the issuing bank. If the bank allows you to entrust others to report the loss, you should bring the cardholder's power of attorney and relevant documents when you entrust others to handle it. After handling the formal report loss, attention should be paid to the effective time of the loss report and the change of funds in the account. If suspicious transactions are found, the bank should be promptly requested to assist in the inquiry. If the quota is large, the public security department may be requested to investigate the case. If the card is not found at the location of the issuing bank, you should promptly report the loss at the designated outlet. The issuing bank can also provide appropriate emergency withdrawal service according to your requirements. The cardholder does not bear the amount of the loss that was fraudulently used after the report was officially effective.
When you apply for a bank card, you can fully enjoy the various service functions of each card issuing bank. For example, many SMS issuing services provided by the issuing bank, you can apply to the issuing bank for the instant SMS alert service function for opening the bank card account balance. Keeping abreast of changes in the funds in your bank card can prevent you from discovering abnormalities by SMS reminder if you do not find the bank card lost, and immediately contact the card-issuing bank to stop the bank card from being stolen, control the risk, and reduce the bank. The loss of the card brings you the loss.
The bank card password loss can be handled through your nearest issuing bank outlet, and some banks can call through the customer service center. After the bank accepts the account, you can reset the new password for you. The original password will be invalid immediately.
What are the emergency services for bank cards?
In recent years, with the widespread use of bank cards, the advantages of cardholder consumption settlement, such as speed, convenience, hygiene and prevention of counterfeit currency circulation, have won the favor of consumers and provided convenience for the daily life of the general public. The modernization of bank card consumption settlement services not only enhances the image of the capital's modern metropolis, but also lays a good foundation for creating the consumption environment for the 2008 Beijing Olympic Games. On the basis of realizing the commonality of networking, 17 credit card financial institutions in Beijing and China UnionPay have taken effective measures to provide bank card holders with modern services by improving the quality of scientific and technological services. If you have a "UnionPay" ID card for consultation and complaints when conducting cross-bank transactions, you can call 95516; if your bank card needs an issuing bank to provide emergency services, please call the back of the card.
At present, international credit cards issued by domestic card-issuing banks are marked with VISA or MasterCard. If your international card encounters an emergency situation abroad, you can call the international credit card company's 24-hour overseas emergency support center according to the type of credit card to enjoy the global emergency support service provided by a bank card international organization. Emergency support services generally include emergency report cards, emergency card services, and emergency cash services. The emergency card and emergency cash service can be completed within one to three working days, depending on your location. Emergency support services charge a fee.
The above content basically covers the four most common problems of bank card use. Bank card security is closely related to our daily life.
Bank card key knowledge series
Nowadays, the use of bank cards is very common, and it brings a lot of convenience to our lives, but you know, although bank cards are common, there are many things worth noting. If you know this correctly, you can use them safely and safely. it. The following is a series of knowledge points for bank cards.