Online by credit card without password security vulnerabilities

As long as there is credit card number, validity and validation code, does not need the password can also be used to spend on the Internet?Recently, media reports some criminals by credit card transactions crime behavior, caused by the broad masses of the cardholder's panic, "the credit card is no longer really safe?"Also can use "credit card?

RongLei retail bank China merchants bank, nanjing branch, deputy manager, said some online consumer behavior only need a credit card number, validity and validation code, don't need a password, make this kind of crime in theory is entirely possible.But the reality is that more than a certain amount of online transactions, the bank will give the cardholder to text for notification and confirmation, don't rush to pay.Minsheng bank credit card center (600016), nanjing branch general manager li wei also said that the bank in the case of online trading is very cautious, but merely booking, also won't have the amount transferred.Minsheng bank has not received this aspect of the complaint.

So, for this kind of risk, and how to protect themselves?RongLei that credit card use is risky, but also cannot isolate, because of the risk is not in use.Credit card security, guard against credit card crime, through the joint efforts of individuals and Banks.Personal aspects, first is to assure card from body, in case the card number, validity period etc info is the leak of information, for it has been suggested to get the card after the validation code on the back with the blade to shave off the way, he said this, of course, smile is a kind of method, but the person that hold card or want to note in the verification code somewhere, or in the future will use captcha?Second, there is to get the card number and other information of the list Kept according to, certificates, etc.Though it in accordance with the relevant provisions of malls and other places of the POS of documents will block the card number and other important information, but some internal documents, certificates, etc., will still show the card number, the cardholder must keep the documents, so as not to fall into the hands of criminals.

Banks have also been working hard to the safe use of credit card.In addition to the cardholder is trading will SMS, now there is a "lost card security mechanism.The cardholder once found their own credit card is lost or been misappropriated, report the loss to the bank as soon as possible, check the recent deals with is not after the cardholder, Banks will refund this part, in order to minimize the cardholder losses, to crack down on crime.