Bank card new regulations on December 1, 2016 Interpretation of the new regulations for bank cards in 2016
The new bank card regulations will be implemented on December 1 Bank card roaming fee is canceled and the bank's remote withdrawal is about to be free A few days ago, the central bank issued the latest announcement saying that from December 1st, the same person can only open one Class I account in the same bank, and within three months, the company will access the current and transfer free of charge, which means bank card. The “roaming fee†charged by the peers in different places will withdraw from the historical stage. With the rapid growth of the bank card market in recent years, the continuous extension of the industry chain, and the innovation and expansion of business functions, bank card risk cases are also showing an upward trend and a complex situation. This is a security management and risk prevention for bank cards and a crackdown on bank cards. Criminal activities raise higher demands. The Notice of the People's Bank of China on Strengthening the Payment and Settlement Management to Prevent the New Emerging Crimes of the Telecommunications Network (hereinafter referred to as the “Noticeâ€) will be implemented from December 1, 2016, and the banking financial institutions will open for individuals. Where a bank settlement account is established, the same person may only open one Class I household in the same bank. If a Class I household has been opened and a new account is opened, a Class II household or a Class III household shall be opened. Banks that charge for off-site access to existing and transferred services within the Bank's bank will be charged free of charge within three months from the date of issuance of this notice. The reporter noted that, in fact, the definition of bank card "roaming fee" originated from a survey in July last year - "four major banks in the same place to collect the "roaming fee" small and medium banks limited time foreign banks initiative free". According to the survey, “the price of roaming – roaming fees has always been one of the most criticized charges in the mobile communications field. However, roaming charges exist not only in the field of mobile communications, but also in the service areas of bank cards.†Similar to the telephone roaming fee, the off-site peer charging status of bank card access and transfer has long been criticized by depositors. This remote peer fee is also known as the bank card “roaming feeâ€. The "Notice" has undoubtedly brought the gospel to the depositors for the cancellation of the fees for the off-site counterparty fees. Insiders said the move reflects a positive response from the central bank to the call for "unreasonable bank card roaming charges." Ms. Wang, who handles business in a joint-stock bank, believes that “for our users, no matter which branch or equipment is used to withdraw money, as long as it is the same bank, it should not be charged. Free should be the most basic service for bank cards." Only one debit card can be opened per person in the same bank The "Notice" stipulates that from December 1st, the same person can only open one Class I household in the same bank, and has opened a Class I household. If a new household is opened, a Class II household or a Class III household should be opened. Only one Class III household can be opened in the same payment institution. Among them, the I-type households are accounts that the current individual opens at the bank counter and verify the identity on the spot. They have full functions, the account balance can be used for consumption and transfer, but the limit is low; the II and III households are through the bank counter or the Internet. Bank accounts opened by electronic channels have limited functions and need to be used in conjunction with Class I households; in addition to consumption and transfer, the balances of Class III households can also be used to purchase investment wealth management products. The multiple Class I households that have been opened in the bank before December 1 will not be affected. ATM machine transfer within 24 hours, if you are defrauded, you can withdraw In recent years, network telecom fraud has emerged in an endless stream, especially ATM machine transfers have become the “hardest hit†for fraud cases. "It is very common to implement fraud through ATM transfer. The victims are mostly elderly. The lobby manager has also successfully intercepted a fraud case and saved nearly 20,000 yuan for the customer." A staff member of the Agricultural Bank of China . According to the new regulations of the central bank, starting from December 1, in addition to transferring funds to my peer account, if the individual transfers money through the self-service teller machine, the issuing bank will handle the fund transfer after 24 hours of acceptance. Within 24 hours after the card issuer accepts, the individual can apply to the card issuer for cancellation of the transfer. That is to say, the individual transfers money to the account of the same name through ATM, and within 24 hours, once found to be deceived, he can apply for withdrawal and recover unnecessary losses. The number of transfers and the amount of non-counter channels must be limited. Since December 1st, if you open a non-counter channel transfer business in the bank, you should pay attention to it: in the future, transfer money by means of online banking, mobile banking, telephone banking, third-party payment institution websites, etc. The limit, the number of pens and the annual cumulative limit, etc., once the agreed limit and the number of pens are exceeded, they must go to the bank counter. 2016 major banks automatic teller machine cross-line withdrawal fee list Bank card (credit card) specification points of use Rational consumption, do not apply for more than the amount of credit cards you can afford. Credit card consumption should be based on your own financial ability, and you should manage your money reasonably so as not to bear the unbearable debt, which will have a negative impact on your personal credit history. It is not possible to use a credit card for illegal cash out to actively participate in credit card cashing. After being discovered by the bank, the card may be frozen and fed back to the personal credit report, which has a negative impact on the personal credit report. What is more, will violate the relevant criminal law in China. It is recommended that any transaction information of the bank account change SMS notification service bank card will be sent to your agreed mobile phone by SMS. You can monitor the card's “every move†and grasp the change of the card account funds. Contact the issuing bank at one time. Try to avoid asking the waiter to swipe your card when you spend your card. If the card leaves your line of sight, criminals can buy your card information, such as a cashier or a hotel waiter. It is necessary to make good use of personal credit, repay on time, and then it is not difficult to develop a rational payment habit, return credit card accounts on time, avoid being listed in the bank's bad credit record list due to delayed payment or insufficient payment, and have a negative impact on personal credit. . ATM and POS operation precautions ATM operation precautions Be wary of redundant devices in the self-service bank access control system. remember! No access to the card and password entry. When using the card, pay attention to whether the environment is safe, pay attention to people who are suspicious around, observe whether there are any suspicious settings on the ATM machine, whether there are any signs of pasting or modification, if any, please use other ATM machines, and notify the bank to which the machine belongs. When operating ATM, don't accept the help or inquiry of “good-hearted people†to avoid the criminals who will divert the card or peep the password when they are taken care of. Properly handle the ATM machine receipt, do not discard the ATM machine withdrawal slip with the card number printed, so that bank account information is not used by criminals. Don't trust the information that requires customers to transfer money to a designated account, pay attention to the SMS notification service of the issuing bank, and check with the issuing bank in time if unexplained expenses are found. POS card consumption considerations Before you swipe your card, you should sign the signature on the back of the card immediately after you apply for a credit card. When swiping the card, if you are using a UnionPay financial IC card, the cashier is advised to prefer the IC card acceptance method. When shopping at the mall, don't let the bank card leave the line of sight and pay attention to the number of times the cashier has swiped. When entering a password, try to block the operation gesture with your body or the other hand as much as possible to prevent the criminals from peeking. After the card is swiped, the cashier should carefully check the card number, transaction date and transaction amount on the purchase order if the card is the correct card. Sign on. If an abnormal situation occurs during the consumption of the card, the transaction documents should be properly kept. If the card is repeatedly debited, the issuing bank and the statement can be contacted with the issuing bank in time. After receiving the bank card statement, you should check the card status in time. If you have any questions, you should call the issuing bank customer service hotline in time. Mobile phone payment, mobile banking, online banking security precautions Mobile payment security, please use the regular bank website or UnionPay online, pay attention to regularly check the mobile phone virus, properly keep the login account and password, do not arbitrarily disclose to outsiders, mobile phone lost or mobile phone number replacement, please inform the bank in time. Please keep your mobile phone and mobile phone payment passwords safe. For text messages and SMS commands with passwords and system reply messages (especially those containing mobile phone payment passwords), it is recommended to delete them immediately after sending or receiving. When the mobile phone sales number or transfer, please cancel the mobile payment service in time. Use the new mobile number, please re-do the business binding. Mobile banking security Carefully identify fake websites, please use the address provided by the regular bank website to download and mobile banking client (iPhone users can download via APPstore). In order to prevent electronic devices from being threatened by viruses and computer hackers, pay attention to killing mobile phone viruses in time. Keep your login account and password safely, and don't arbitrarily disclose it to outsiders or record information on your mobile phone. It is recommended to use your mobile phone to log in to mobile banking, to avoid entering information such as account numbers or trading on other people's mobile phones. Pay attention to keeping your mobile phone, don't arbitrarily lend it to others, lose your mobile phone or change your mobile phone number, please inform the bank in time. Online banking security Please log in to the regular website address to ensure the security of your computer, phone and mobile phone, and properly protect your account password, USBkey and password card to prevent the computer and mobile phone from being used by others. Anisotropic Bright Diamond Painting This is a gift that can be sent to colleagues to express sincere concern and gratitude to the company and leadership. You can send friends, and occasionally some small surprises, to express your beautiful heart. Send the family, warm and gentle, and share the beauty at any time. Professionalism, conscientiousness, and attentiveness have always been our goals. Professional equipment, high-quality service, can stand the test of details. Anisotropic Bright Diamond Painting Dongguan Junkai Packaging Products Co., Ltd , https://www.diystoragecase.com