Credit Card Early Warning Telephone Hidden Crisis

Monitoring and preventing credit card fraud is one of their important daily tasks. Once the public receives a notice from the bank, it is better to change the card immediately. However, there is no need to panic too much. This does not mean that the cardholders have suffered losses from fraud. China UnionPay officially launched a service based on payment markup. In the Internet plus payment, mobile payment and other application scenarios, transactions are replaced by payment marks instead of bank card numbers to prevent card leakage and reduce transaction risks.

International card organizations concerned told reporters that their wind control departments will conduct real-time monitoring of global card transactions every day. The system will automatically identify high-risk cards that may be subjected to fraud risks, and send the relevant card numbers to the issuing bank, and the banks will decide the risk control measures. Generally speaking, the bank will notify the cardholder to change the card.

These credit cards are considered to be highly risky. For example, the survey found that some of the holders of fraudulent cases had spent money on a website or a businessman, and the merchant would be identified as high risk. Other credit cards that were used by the merchant would be classified as high-risk cards. Of course, there are other filtering conditions. Insiders pointed out that after receiving the bank phone call, to avoid any possible occurrence. Stolen card risk Cardholders should change their cards immediately. The bank will change the card free of charge and send it to the cardholder in a few days. Of course, there is no need to panic too much because of the early warning of banks. Because this means that the risk of this card is relatively large at present. It does not mean that the card has been stolen or stolen.

At present, many banks have the function of losing card support. In short, after a credit card is lost, if the cardholder applies for reporting loss to the bank at the first time, the bank will make compensation for the loss caused by the credit card stolen by the cardholder within 24-120 hours before the loss of the credit card. Cardholders only need to prove that transactions are not generated by themselves.

However, the majority Bank It is not a full payment for the loss of the customer. It is necessary to confirm that the customer card does not pay for the loss part of the credit card, and most of the customers are entitled to sign up for consumption. Insiders pointed out that although changing cards is not mandatory, once a risk occurs, the cardholder will be in trouble even if there is no financial loss, so the best option is to change the card immediately.

How can a cardholder prevent the theft of credit cards? Credit Card People in charge of the centre remind people that when choosing credit cards, they must choose reputable merchants, and try not to leave their own line of sight when they swipe their cards, and do not throw away the transaction purchase slip at will. Do not lend cards to others. Besides, it is also very important to open SMS notification business for credit cards. Once an exception is found, it can immediately contact the bank and handle the freezing, reporting loss or changing card business to reduce losses.