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Tips to keep your account safe
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AS more and more people rely on bank cards to manage their personal finances, protecting these cards — and the account information they contain — has become a matter of growing public concern.
Despite keeping their cards in their possession, some have nevertheless seen money disappear from their accounts.
Many banks are improving their account safety systems to better protect cardholders, according to Han Liang, a manager of China Construction Bank’s Credit Card Center Risk Management Department. Bank staff may contact card owners by phone when abnormal activity is noticed, such as an international charge followed soon after a local transaction.
Card owner can also dispute charges believed to made by fraudsters. With sufficient evidence, these charges can be cancelled.
Of course, stopping these problems before they occur is the best option.
Exchanging magnetic stripe bank cards for those containing microchips is one way to stay safe. Cardholders are also advised to keep their cards in a safe place to avoid copying. Han urged caution when it comes to sharing account information.
Of course, other sources of risk may be less obvious. Customers are advised never to share their payment or dynamic passwords with online merchants, even if they say they need this information to process a refund.
Experts encourage cardholders to avoid using simple, easy-to-crack passwords. People should also use different passwords for their bank accounts and their social media accounts.
Though most bank websites are usually equipped with high-level security, the same may not be true for all social media platforms. Hackers and online criminals have been known to break into bank accounts with stolen social media account details.
Customers should also take note of changes in their phone accounts.
In certain cases, someone who claims to have lost their cellphone may be able to gain access to your phone number as well as linked bank account information. Do not click any links provided in SMS messages or websites that you are not familiar with, since they may contain Trojan software.
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