The characteristics of credit cards

Come on, find out about the characteristics of credit cards that need to be known. The owner and user of this payment instrument must understand.

In the midst of the ease of digital transactions today, credit cards have become part of the daily life of many people, certainly including you.

However, although often used, there are still many who do not really understand the characteristics of credit cards physically.

In fact, understanding card details can help you maintain data security and prevent abuse by others who are not responsible.

Every part, both front and back, has an important function that is often ignored by many card owners.

Not just a matter of design, but also concerns the authenticity and feasibility of cards to use. Come on, get to know more in the characteristics of credit cards so you can use it more calmly and wisely.

Blog Skillife has summarized this information from various trusted sources, including news media on linebanking sites, and others.

Don’t get me wrong, this is the characteristics of the original credit card

The front of the credit card

1. Chip (CIP) Security

Each official credit card must have been equipped with chips on the front. This chip serves to protect data when you make a transaction.

Compared to magnetic ribbons, chip technology is much safer and difficult to break into. Card owners don’t need to worry.

2. Credit Card Number

At the front of the card, you will find a number of 16 digits. This number is usually divided into 4 groups.

These figures store important information, ranging from the type of card to the issuer bank. Each card has a unique number that will not be the same as each other.

3. The name of the card owner

Your full name that is registered when submitting the card will be printed here. This name must be the same as your official identity.

If it is not suitable, then it can be a problem when verification. Make sure the name on the card is the same as the name on the KTP (Identity Card).

4. Date of expiration

Check the “Valid Thru” section on the card. This shows how long your card can be used. The average validity period of the card is 3 years, but some are 5 years.

After that, you need to wait for a replacement card from the bank. Usually, banks will send ahead of the card entering the time no longer applies.

5. Payment network logo

Whether it’s a visa, mastercard, JCB, or American Express, each card has a clear payment network logo. This shows which system supports your card transactions.

Each payment network has their respective advantages. Card owners can adjust the needs according to their cards.

6. Logo or name of the Publisher Bank

Usually located in the upper right or lower left corner. This could be the main identity to recognize who the card was issued by whom.

Placement of the Publisher Bank logo, network logo, or others can indeed be different. This depends on the policy of card issuing.

The back of the credit card

A. Magnetic band

Before there was a chip, magnetic ribbons became the main storage of important data such as PIN (Personal identification number), Limit, and Bill Info.

Now, this recording is still a suggestion. But keep in mind, the data here is easier to use.

B. Signature Panel

This section is often ignored. In fact, your signature here is one form of verification. Make sure you sign it immediately after the card is received.

C. CVV Code (Card Verification Value)

Three small numbers on the side of the signature panel are very important. Never give it to anyone, even if you ask to be convincing.

CVV is the main safety when you shop on line or other online transactions. Well, remember this.

D. Address of the Publisher Bank

At the bottom of the card, you will find bank contact information, whether address, official site, or customer service number.

This will be very useful if you experience problems related to transactions, losing cards, or other problems.

Those are some of the characteristics of credit cards that are important for you to recognize. Don’t consider trivial, because every detail can have a big impact on transaction security.

By understanding the parts of the card, you can be more calm when using it, good for shopping on line or Offline.

In addition, use a credit card wisely and make sure you are always aware of data abuse by irresponsible people.

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