First, the bank card function
Bank card is a credit payment tool issued by commercial banks and postal savings institutions to the society, which has all or part of the functions of consumer credit, transfer settlement and cash deposit and withdrawal. Bank card is the basic voucher for saving money in the bank. From the end of June 20 14, the use of bank cards in China will bid farewell to the era of "swiping" cards and turn to the era of safer "inserting" cards. In 20 15, new magnetic stripe bank cards will be gradually stopped. From 20 16, 12 and 1, an individual who transfers money through an ATM can apply to the issuing bank for cancellation of the transfer within 24 hours after it is accepted by the issuing bank.
Second, how to prevent bank cards from being stolen?
1. Replace with chip card.
Although banks have taken a series of security measures to protect customers' funds, in today's information explosion era, it is still the most effective and necessary security line for customers to strengthen their own information protection. According to statistics, most of the stolen bank cards are magnetic stripe cards. Bankers said that because the magnetic stripe card technology is no longer a secret, it has been applied in many fields such as access cards. Cloning a magnetic stripe card is very simple, and the security is naturally relatively poor. It is a good choice to use chip card instead of magnetic stripe card. So far, there has been no theft of the chip card. Because the information of the chip card is dynamic, the chip is a small computer, and the check value is different every time, so the possibility of copying is small.
2. Don't leave bank card information when spending.
When shopping on websites and mobile phones, try not to keep bank card information. For example, some websites have exposed users' CVV codes before. This set of codes is to prove that the cardholder is stuck in the cardholder's hand when the cardholder and the merchant are not face to face, because only the cardholder can see this set of codes. But if the website stores this information, once it is leaked, it may be stolen.
Don't give your mobile wallet to others.
Consumers should be careful not to give their mobile phone wallet carriers (such as SIM cards, SD cards, mobile phones, etc.). ) for others to use. Consumers should pay attention to properly keep personal identity information, bank card information, all kinds of financial service passwords, verification codes and electronic tokens. Download financial service application software through formal and secure channels, and carefully connect unknown network hotspots or click website links. Regularly modify all kinds of passwords in financial business, improve the complexity of passwords and strengthen the security of passwords.
4. Separate the consumption card from the savings card.
Separating daily consumption from savings cards is also one of the important means for many people in the industry to reduce losses when they are stolen. Some experts also said that when spending by credit card, it is best to use credit card instead of savings card. After all, the bank's credit card has relevant compensation standards for stolen credit cards, which can minimize the losses of cardholders.