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银行卡“磁旧换芯” 下月起复合卡磁条交易将关闭

2017-04-25 16:51:26   中国经济网

■本报见习记者 刘萌

去年央行发布《中国人民银行关于进一步加强银行卡风险管理的通知》,指出自2017年5月1日起,全面关闭芯片磁条复合卡的磁条交易功能。

如今,期限将至,复合卡的磁条交易功能是否将要关闭。市民钱包里的磁条卡、复合卡该怎样处理?针对这些问题,《证券日报》记者近日走访了北京地区多家银行网点。

5月起复合卡“认芯不认磁”

在北京市朝阳区某建行网点,工作人员告诉《证券日报》记者,去年央行发布的《通知》确实给关闭芯片磁条复合卡的磁条交易功能明确了期限,近期也有很多市民来银行咨询复合卡的磁条交易功能是不是要关闭了,但是,银行尚未收到通知要在5月1日之后关闭复合卡的磁条交易功能。上述工作人员还告诉本报记者,目前建行发行的借记卡只有复合卡一种,什么时候改为发行单一的芯片卡也要等待总行统一安排。

在工商银行某网点,本报记者也得到了类似的答复。不过,工行的工作人员告诉本报记者,复合卡的磁条功能关闭主要是针对商家而言。同时,这位工作人员表示,取消磁条交易功能只是针对磁条芯片复合卡,磁条卡的用户不必担心,仍可以正常使用。

在中国银行某网点,工作人员则表示,已经收到通知,“五一”过后要关闭复合卡的磁条功能,但是单独的磁条卡使用并不受影响。

据了解,目前市面上流通使用的银行卡分为三种:只有磁条的纯磁条卡(需要刷卡付款);只有芯片的金融IC卡(需要插卡付款,或者碰触付款);磁条和芯片都有的复合卡(刷卡、插卡、碰触付款均可)。

据《证券日报》记者走访了解,目前包括建设银行、招商银行、广发银行在内的多家银行发行的银行卡均为复合卡,中国银行、民生银行、工商银行等银行目前发行的银行卡则为芯片卡。

纯磁条卡应尽早换“芯”

《证券日报》记者走访的多家银行均表示,由于磁条容易伪造,极易被不法分子克隆盗刷,为了信息及财产安全,建议磁条卡用户尽早更换为芯片卡。那么,更换银行卡是否可以保留原有卡号,是否收取工本费等费用?本报记者走访多家银行了解了相应的规定。目前多数银行换“芯”免费,少数银行收取5至15元不等的工本费;部分银行可以保留原有卡号,但需要客户明确向柜台工作人员提出要求。

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