New Year's card swipe busy bank card experts tell you tips

Many cardholders' payment concepts have changed, and more and more people have realized the convenience of bank cards. Statistics show that the amount of various types of bank card swipes will increase to a large extent every festival. With the approaching of the Spring Festival, because of the purchase of gifts, new year purchases, and outings, it is believed that many cardholders will go to the merchants to "shop" and swipe a lot of cards.

However, experts reminded that cardholders need to pay special attention to various traps to protect their bank cards and personal information during the holidays. A few days ago, "Qianyan Weekly" specially invited bank card experts to answer questions online, helping cardholders to solve all kinds of doubts about card swiping.

Moderator: Jin Pingping

Guest: Tu Bo Assistant Manager, Brand Marketing Department, China UnionPay Co., Ltd.

Assistant Manager, Customer Service Department, Credit Card Center, China Merchants Bank, Zhang Nan

The following is a wonderful replay of online interaction

How to identify bank card fraud traps?

Tu Bo: At present, there are some bank card frauds in the society, such as mobile phone message fraud, self-service bank access traps, etc., which are carried out by cardholders who do not understand the bank card knowledge and are not familiar with bank services. Fraudulent activities. As a cardholder, we suggest to pay attention to the following points: 1 Be sure to keep the card password and other personal information; 2 Pay attention to avoid scams while operating on ATM machines and other self-service equipment; 3 Receive relevant bank cards You must carefully distinguish the SMS messages. Bank or UnionPay SMS messages will not be sent with your personal mobile phone number, and you will not be required to provide cardholders with passwords and other private information. 4 After you discover that the card information has been stolen or defrauded, promptly contact China UnionPay Anti-Fraud Center 95516-1 contacted and reported the case to the police.

Visitor 4602: Sometimes there will be some failures in the merchant's card swiping, resulting in problems with the deduction amount, so what issues should we pay attention to when the merchant swipes the card?

Tu Bo: You need to pay attention to these aspects in the process of using the card: 1 Pay attention to the amount of the card, enter the password or press the confirmation key after confirming the amount displayed by the pos Machine; 2 Keep the receipt of the consumption for future verification; 3 If there is a problem in accounting, contact the card issuing bank in time. If conditions permit, you can customize the consumer SMS reminder of the card issuer and compare the accounts in time.

How to do bank card password management?

Visitor 4592: Sometimes using a credit card requires multiple passwords, such as telephone banking, online banking, inquiries, withdrawals, sometimes unwilling to set all passwords to be the same, but there are more cards on hand, and the password needs to be set again Many, often confused, how can password management be performed more securely?

Tu Bo: The password is the last line of defense on the card for individuals, so the preservation of the password is very important. Many cards now require a separate password for a function, which is indeed cumbersome for cardholders, but the ultimate goal is to ensure account security. Personally, I recommend that you integrate the cards on your opponent's cards to streamline the cards. At the same time, according to your personal habits and the functional characteristics of the cards, the functions of each card are reasonably arranged. Each card performs its own duties. .

Tourist 1498: I am a China Merchants Bank credit card user. Once I entered the wrong password when I swiped the card outside, and the transaction was successful. What happened? In case the card is lost, can it be used by others?

Zhang Nan: China Merchants Bank credit cards are credit cards that comply with international standards. Consumers do not need to enter a password, but authorize transactions by comparing signatures. If your card is lost, please call the China Merchants Bank credit card service hotline 8008205555 to report the loss, and it will take effect immediately.

Tourist 4961: Can I set a password when using China Merchants Bank's credit card?

Zhang Nan: China Merchants Bank credit card has an inquiry password and a cash advance password password for customers to set up. The inquiry password plays a role of checking the identity, and is used by the customer to perform account inquiry on the voice or website. After setting the pre-lending cash password, you can withdraw cash from your credit card in case you need it from time to time. Both passwords can be set by calling the China Merchants Bank service hotline.

How to reduce the settlement fee by swiping overseas?

Tourist 3312: I am going abroad recently, what should I pay attention to when I swipe a card abroad?

Zhang Nan: Overseas consumption is generally settled in U.S. dollars through VISA or Master international organization lines; if the currency of the transaction is not U.S. dollars, a certain amount of foreign exchange conversion fees will be incurred; at present, some countries and regions have opened UnionPay lines If you swipe your card for consumption in these places, you can ask the merchant to take the UnionPay route, so that the payment will be made directly in RMB without incurring additional fees.

Tourist 7379: I went abroad some time ago, but I did n’t see the UnionPay logo on the ATM machine abroad. What countries does UnionPay promote overseas? Is there any convenience or discount for us to swipe cards in these regions and countries?

Tu Bo: At present, China UnionPay has opened UnionPay card acceptance in 24 countries and regions. Hong Kong, Macao, Singapore, South Korea, Japan, France, Germany, the United States and other places have opened UnionPay card withdrawal and consumption services. You can check the UnionPay website for opening areas and acceptance points. Compared with other cards, UnionPay standard cards have the following advantages overseas: Currency conversion fees are waived for consumption, and dual currency cards are about 1% -2% of the total consumption amount; 1% handling fee is generally charged for withdrawals, but the lowest It is 15 yuan, and the minimum starting fee for dual currency cards is 5 dollars; cardholders of UnionPay standard cards can also enjoy the special services provided by UnionPay.