Data on credit card

Using credit card is governed by a contract which includes the characteristics, this agreement establishes a relationship between a buyer, seller and lender, the contract allows the buyer to purchase goods and services.

The requirements that a person has to get a credit card are:

• Having over 18 years
• Owning a stable permanent job older than three months.
• Must not have any debt at present with any bank.

The requirements described above are common to all banks, apart from these each bank have other policies that vary from one institution to another, however for a person holds a debit card banks do not take into account any of these requirements. In Latin America there is no adequate control to preserve data from credit card holders:
A survey revealed that half of companies surveyed have no primary device to preserve the security of customer data and that almost 50% of companies surveyed have no knowledge of PCI DSS, RSA. Because of this, the Security Division of EMC, made ??a report, whose purpose was to publicize the procedures for storage and protection of data carried out by companies in Latin America to protect data card holders credit. The study, detailed the level of organizations in knowledge and application of Data Security Standard Industry Payment Credit Card (PCI-DSS), the standard comprises a framework of best practices, which can be applied any organization that select, process and collect credit information.

Loss of the card:

Among the problems that a user has to possess a credit card is the case where the card is lost, this can cause great inconvenience to the owner because if the person who found the card to make purchases and uses the card, all that the consumer has to pay the holder if advised in due course the bank that you have lost your credit card. The advice if you have a lost or stolen credit card is to cancel as soon as possible to avoid disappointment. There are no restrictions to notify the bank of the loss of a card, even if we are abroad, the holder can communicate your brand credit or debit card, these brands provide lines for internal and external operating all hours of the year. If you lose your credit card abroad, the bank will give us without any delay a new card, the holder must pay the cost of the plastic varies in relation to the category of the lost card.

Many ATMs have a legend, “do not let anyone help him, in which case the holder’s claim loses its validity because the complainant was at the time of the robbery, this inconvenience is ranked by the banking sector as a hoax.

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