Magnetic stripe cards are not safe! Replacement chip card free of charge-card chip card-IT information

The "51" may day holiday approaching, many public outings, shopping, parties, then consumer credit card security issues and return to the public eye.

Common magnetic stripe cards with respect to financial IC card secure, easily replicated, central banks and financial institutions are actively promoting the use of chip cards.

However, the public has told reporters that, chip card security, but to apply for a new card to charge fees, emergency card cannot be retained if the original number, also worry that the change need to rebind the original business card.

This reporter visited found to bind and retain the original business question, Huizhou banks currently different provisions, some banks may waive change fee.

Reporters visited 10 banks, there are 7 public magnetic stripe cards for chip card security number and rest of the 3 numbers used, replacement period is 7 working days, during which old cards can still be used as usual.

However, the public is in need of attention, change business bank, Hkahpauk, does not involve all the bank cards. By ICBC, for example, although you can change Hkahpauk but released earlier than the "62" magnetic stripe cards that start with product, for technical reasons does not support direct upgrade to the chip card.

Similar situations also occurred in the remaining State-owned commercial banks, most debit cards can support the retention of the card number for chip cards, but there are a few products released earlier are not supported.

In addition, insurance card, original magnetic stripe card-bound business need "tying" provisions of banks are not the same.

A case study of Shanghai Pudong Development Bank, magnetic stripe card replacement chip card number, such as binding, hydropower and other payment card is used when binding, replace the cards do not need to bind a new card, but also a few banks said swapping cards be determined depending on the specific business need to rebind to sign.

In addition, the card fee issues of greatest public concern, reporters learned in a visit after the banks will be charged to the card user fee ranging from 10 Yuan to 20 Yuan, today, Huizhou, some banks have pulled out of the free policy.

Reporters visited 10 banks, 4 for magnetic stripe cards for chip card are free, 6 other charges will cost most of the banks fell to 5 Yuan each.

Would like to remind members of the public is that central banks have closed the national ATM and chip card POS machine downgraded transactions, layman's terms, is the brush "magnetic stripe + chip" composite card, magnetic stripe transactions shall not be used, you can only read chip transactions.

When people use the financial IC card consumption, should take the initiative to tip the cashier chip brush, including card and Flash.

磁条卡不安全！更换芯片银行卡可免费 - 银行卡,芯片卡 - IT资讯

“五一”小长假将至，不少市民都有外出游玩、购物、聚会的打算，那么，消费时的刷卡安全问题又回归到了大众的视线。

由于普通磁条卡相对于金融IC卡安全性较低，容易被复制，央行及各银行金融机构均在积极推广使用芯片卡。

不过，有市民向记者反映，芯片卡虽然安全，但申领新卡既要收取工本费，急用卡的话还不能保留原号，同时还担心换卡需要重新绑定原先业务。

对此，记者通过走访发现，对于保号及保留原有绑定业务的问题，目前惠州各家银行规定不一，部分银行可免除换卡工本费。

在记者走访的10家银行中，有7家表示，市民磁条卡换芯片卡可保号，其余3家表示要换号使用，更换的周期一般为7个工作日，其间旧有卡片仍可照常使用。

不过，市民需要注意的是，有换卡保号业务的银行，并非涉及所有的银行卡。以工商银行为例，虽然可以换卡保号，但发行时间较早的非“62”开头的磁条卡产品，因技术原因不支持直接升级为芯片卡。

类似的情况也发生在其余几家国有商业银行，多数借记卡可以支持保留卡号换芯片卡，但有少量发行时间较早的产品不支持。

除了保号换卡，原磁条卡绑定的业务是否需要“重绑”，各家银行的规定也不尽相同。

以浦发银行为例，磁条卡更换芯片卡实现保号后，如绑定水电等各种缴费时是用卡号绑定的，更换卡后无需重新绑定新卡；不过，也有少部分银行表示，换卡后需视具体业务确定是否需重新绑定签约。

此外，最受市民关注的换卡工本费问题，记者也在走访中了解到，此前各家银行会向换卡的用户收取10元到20元不等的工本费，如今，惠州部分银行已经退出了免费政策。

记者走访的10家银行中，有4家对于磁条卡换芯片卡已实行免费，另外6家收费的银行也大多将工本费降到了每张5元。

另要提醒市民的是，央行已经关闭了全国ATM机和POS机芯片银行卡降级交易，通俗地说，就是刷“磁条+芯片”复合卡时，不得使用磁条进行交易，只能读取芯片交易。

市民在使用金融IC卡刷卡消费时，应主动提示收银员刷芯片，包括插卡和闪付。