How to identify the authenticity of a credit card

1. Whether the printing and laser anti-counterfeiting marks on the surface of the credit card are exquisite. If there are defects, it will be judged as a fake card;

2. Are the embossed characters on the card surface regular, are the intervals even, and are the font sizes on the same line the same? If not, it will be judged as a fake card;

3. After swiping the card on the POS machine, the screen display , check whether the embossing on the screen is consistent with the embossing on the front of the bank card. If they are inconsistent, it will be judged as a fake card, and you cannot continue to swipe the card, and you must contact and notify the bank in time;

The third method is actually The most effective

Why the credit card cannot be recognized

This situation is mostly caused by the loss of magnetism of the credit card's magnetic strip. Do not put magnetic materials where you store the card (pocket). (including mobile phones) can be avoided; this happens to cards that read magnetic cards; another situation is caused by the bank's time to write magnetic cards. If it can be used at an ATM, it can be used at a POS (card consumption device) If you have any problems when using it, you can report it to the bank and ask the bank to handle it.

1. What is a credit card:

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the bill with the merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate). Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; a quasi-credit card refers to a credit card in which the cardholder can A quasi-credit card that deposits a certain amount of reserve fund and can be overdrafted within the specified credit limit when the reserve account balance is insufficient for payment. The so-called credit card generally refers to a credit card only.

2. The main features of credit cards

Pre-deposits of cash are not encouraged. Spend first and repay later. Enjoy an interest-free repayment period. You can repay in installments (with a minimum repayment amount). Join VISA, MasterCard, JCB and other international credit card companies. Credit cards are organized for global use.

It is one of the fastest growing financial services today and is an electronic currency that can replace traditional cash circulation to a certain extent.

Has both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards.

It is a high-tech product integrating financial business and computer technology.

Can reduce the use of cash currency.

It can provide settlement services to facilitate shopping and consumption and enhance a sense of security.

It can simplify the collection procedures and save social labor.

Can promote product sales and social demand.

How to identify counterfeit credit cards? These skills must be mastered

Leaked credit card information can easily be used by criminals to make fake cards and use them on POS machines. If POS merchants do not identify counterfeit card transactions in time, they will need to bear the losses of the card being used. . Therefore, merchants must promptly identify counterfeit credit cards. Here we will teach you a few methods to identify counterfeit cards.

1. Identify from the credit card itself:

1) Check whether the starting number of the credit card matches the issuing organization. The UnionPay single currency card starts with 62, and the UnionPay VISA dual currency card starts with 4. UnionPay MasterCard Dual Currency Card starts with 5. If it does not match the card issuing organization, it is undoubtedly a counterfeit card;

2) Check whether the validity period of the credit card has expired, and check the customer service number on the back of the credit card Does it match the marked customer service number of the card issuer?

2. Identification from the credit card POS receipt:

After the credit card transaction, compare the credit card displayed on the POS machine receipt with the credit card. If they are inconsistent, it may be a counterfeit card.

3. Call to identify:

If the counterfeiting technology is relatively high and cannot be identified by the naked eye, but you are afraid of encountering a fake card, you can directly call the China UnionPay Authorized Center and Report the first 6 digits to the authorized personnel, who will check whether the issuing bank marked on the credit card is consistent with the actual issuing bank. If it is inconsistent, it is definitely a counterfeit card.

4. Identification from the cardholder’s behavior:

Using a counterfeit card to swipe the card will hide the credit card, look nervous when swiping the card, be impatient when the merchant checks the credit card, and even Deliberately finding other topics to distract the merchant's attention, taking back the credit card immediately after swiping the card, etc. These are all signs of ulterior motives and guilty conscience.

How to identify the authenticity of a credit card?

Most counterfeit cards now are achieved by rewriting the magnetic strip on the invalid card, so the method of going to an ATM or POS mentioned in answer 1 is incorrect. The identification of cards by these machines is limited to reading the card's magnetic stripe data. Now on how to identify authenticity, I will borrow the answers from other netizens:

The first is to look at the plastic negative. The surface of the genuine card is smooth, the color is not easy to fall off, and the negative film has anti-counterfeiting marks; the surface of the fake card is rough, the color is easy to fall off, and the negative film generally has no security design. The second is to look at printing. The real card has bright colors, clear words, and neat stripes on the card surface; the fake cards have blurred words, too dark or light color, and uneven stripes on the card face, as if they were attached to a white card. The third is to look at the signature column. The genuine card has the trademark of the company that issued the card; the counterfeit card has no company trademark, that is, it is all white or has traces of alteration, and the signature is not smooth. Fourth, check that the uppercase English letters on the original card are neat and orderly; the imprinted number on the fake card is not neat or the English letters are different in size, and the altered card is faintly visible on the card surface.

After mastering these few items, you can basically distinguish between real and fake credit cards.

Methods for identifying the authenticity of international Visa cards. Recently, the Jinjiang Municipal People’s Government proposed that the following four points should be paid attention to when identifying the authenticity of international Visa cards:

1. All genuine Visas have an internationally unified security design, and member banks and approved manufacturers must abide by the regulations. The security designs on the counterfeit credit cards commonly seen on the market are inconsistent with those of real cards.

2. The bank identification number (i.e. the first six digits of the Visa card account number) represents the ID number of the Visa issuing bank. The bank name printed on the fake card usually does not match the bank identification number.

3. The (Flying Pigeon) hologram attached to the real Visa is three-dimensional and manufactured by two recognized manufacturers in the United States and the United Kingdom. Common fake credit cards on the market have the (Flying Pigeon) hologram attached to them. , generally two-sided and three-dimensional, inconsistent with the real card.

4. Surrounded by the Visa blue, white, and gold logo is a micro-printing, which prints the first four account numbers on the card, the card type and the approved manufacturer code. Common fake credit cards on the market, large Most are not microprinted.

The legal provisions regarding credit cards are:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an expired credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft.

Hope it is helpful to you

That’s it for the introduction to identifying credit cards.