How to prevent overseas credit card theft? There are seven lessons.

First, it is necessary to protect the last three codes on the back of the credit card (followed by the three digits after the card number), which is the "second password" of the credit card, and can prevent the card from being "cloned". Even if criminals peek at the credit card account information and copy the card, if they don't have the last three codes, even if they know the password, they will be rejected when withdrawing money or spending. The best way is to remember these three numbers and cover them with tape.

Third, some small businesses try to avoid swiping credit cards and pay in cash. Generally, when swiping credit cards, the probability of being copied is much higher than that of big businesses.

Fourth, separate the credit card and the ID card as far as possible to avoid the possibility that the credit card and the ID card are lost at the same time and stolen. If you travel overseas, you only need to bring your passport, and your ID card can be left at home.

Fifth, some banks with good service will take the initiative to remind cardholders by phone or SMS after customers swipe their credit cards in overseas high-risk areas or merchants, and provide free card replacement service. After receiving the notice of card replacement from the bank, don't bother. You should actively cooperate with the card replacement to protect your rights and interests.

sixth, choose to use a debit card free of charge. Compared with credit cards, debit cards are more difficult to counterfeit. In order to avoid the risk of credit card theft, UnionPay debit cards can be used as far as possible when traveling abroad. For example, debit cards of banks such as Huaxia Bank can be withdrawn overseas without handling fees, thus avoiding the exchange rate loss of foreign currency exchange in China.

Seventh, open SMS reminder service. The cardholder can set a SMS reminder for the credit card. When the credit card consumption reaches the set amount, it will tell you the consumption situation by SMS as soon as possible. If you receive the short message of abnormal consumption, you'd better go to the networking equipment of the nearby convenience store, ATM and other banks immediately to handle the small-scale credit card shopping or deposit and withdrawal business, and keep the credit card receipt as proof that the credit card has been stolen. Call the bank immediately after finishing this business and freeze the card. It should be noted that my mobile phone number must be reserved correctly when applying for a credit card. If the mobile phone number changes, I should also call the bank customer service hotline to update it in time, which is a necessary condition for applying for freezing the account by telephone.

generally speaking, after receiving a stolen brush from a customer, the issuing bank will reasonably reduce the customer's stolen brush loss if the investigation proves it to be true. Disclaimer: The article comes from the Internet, and is only for users to learn and communicate. If there is any infringement, please contact to delete it.