再过一个多月，这种银行卡将不能刷卡付款了！
<p><font size="3"><br></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><font size="3"> 现如今，银行卡早已成为人们生活中密不可分的消费工具，几乎人手多张。可是，有个关于银行卡的重要消息，很多人恐怕还不知道↓↓</font></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><font size="3"> <strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; color: rgb(0, 128, 255); box-sizing: border-box !important;">今年5月1日起，银行将全面关闭芯片磁条复合卡的磁条交易！</span></strong></font></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><font size="3"><br style="max-width: 100%; box-sizing: border-box !important;"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); text-align: center; box-sizing: border-box !important;"><font size="3"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><font size="3"><br style="max-width: 100%; box-sizing: border-box !important;"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><font size="3"> 这意味着什么？将会如何影响我们的生活？下面为大家普及一些小知识。</font></span></p><p><font size="3"><br></font></p><article class="" data-author="Wxeditor" style="margin: 5px auto; max-width: 100%; color: rgb(62, 62, 62); border: 0px; box-sizing: border-box !important;"><section style="margin-right: auto; margin-left: auto; max-width: 100%; text-align: center; box-sizing: border-box !important;"><section class="" style="margin-right: auto; margin-left: auto; padding-right: 10px; padding-left: 10px; max-width: 100%; color: rgb(255, 255, 255); display: table; box-sizing: border-box !important; background-color: rgb(78, 153, 223);"><p style="max-width: 100%; min-height: 1em; line-height: 30px; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; line-height: 25.6px; box-sizing: border-box !important;"><font size="3">什么是芯片磁条复合卡？</font></span></strong></span></p></section></section></article><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><font size="3"><br style="max-width: 100%; box-sizing: border-box !important;"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><font size="3"> 目前，市场上流通使用的银行卡分为三种：</font></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><br></p><article class="" data-author="Wxeditor" style="margin: 5px auto; max-width: 100%; color: rgb(62, 62, 62); border: 0px; box-sizing: border-box !important;"><blockquote class="" style="padding: 15px 25px; max-width: 100%; border-left-width: 10px; border-left-color: rgb(204, 204, 204); top: 0px; line-height: 24px; vertical-align: baseline; box-sizing: border-box !important; background-color: rgb(239, 239, 239);"><p style="max-width: 100%; min-height: 1em; line-height: 25.6px; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><font size="3">①只有磁条的纯磁条卡（需要刷卡付款）</font></span></p><p style="max-width: 100%; min-height: 1em; line-height: 25.6px; box-sizing: border-box !important;"><font size="3"><br style="max-width: 100%; box-sizing: border-box !important;"></font></p><p style="max-width: 100%; min-height: 1em; line-height: 25.6px; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><font size="3">②只带芯片的金融IC卡（需要插卡付款，或者碰触付款）</font></span></p><p style="max-width: 100%; min-height: 1em; line-height: 25.6px; box-sizing: border-box !important;"><font size="3"><br style="max-width: 100%; box-sizing: border-box !important;"></font></p><p style="max-width: 100%; min-height: 1em; line-height: 25.6px; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><font size="3">③磁条和芯片都有的复合卡（既可刷、又可插、还能碰触付款）</font></span></p></blockquote></article><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><br></p><article class="" data-author="Wxeditor" style="margin: 5px auto; max-width: 100%; color: rgb(62, 62, 62); border: 0px; box-sizing: border-box !important;"><section style="margin-right: auto; margin-left: auto; max-width: 100%; text-align: center; box-sizing: border-box !important;"><section class="" style="margin-right: auto; margin-left: auto; padding-right: 10px; padding-left: 10px; max-width: 100%; color: rgb(255, 255, 255); display: table; box-sizing: border-box !important; background-color: rgb(78, 153, 223);"><p style="max-width: 100%; min-height: 1em; line-height: 30px; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; line-height: 25.6px; box-sizing: border-box !important;"><font size="3">银行卡安全性大比拼</font></span></strong></span></p></section><section class="" style="margin-top: 5px; margin-right: auto; margin-left: auto; max-width: 100%; width: 10px; height: 17px; background-image: url(" http:="" mmbiz.qpic.cn="" mmbiz_png="" ianq03uuwgmlt5yb9rbt8cyvjn3xib768ib0eh99z2ccia7xfsbiiaqyatgcsm7zrhapaizccliajkuotpv2z06fmh2q="" 0?wx_fmt="png");" background-color:="" rgb(78,="" 153,="" 223);="" background-size:="" 100%;="" background-repeat:="" no-repeat;="" box-sizing:="" border-box="" !important;="" word-wrap:="" break-word="" !important;"=""><br></section></section></article><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><font size="3"> 生活中，关于盗刷事件层出不穷，卡不离身钱却不翼而飞……究竟是怎么回事？据了解，这可能与磁条卡的使用特性有关。先来比较一下这几种银行卡的安全性。</font></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><font size="3"><br style="max-width: 100%; box-sizing: border-box !important;"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); text-align: center; box-sizing: border-box !important;"><font size="3"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); text-align: center; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><font size="3"> <br style="max-width: 100%; box-sizing: border-box !important;"></font></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><font size="3"> <strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; color: rgb(0, 128, 255); box-sizing: border-box !important;">磁条卡：</span></strong>磁条卡用户只要在POS机或ATM机上刷卡，就会在机器上留下该银行卡的磁条信息，因此持有磁条卡的用户，就很容易发生盗刷的情况，而且有时还会消磁！</font></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><font size="3"><br style="max-width: 100%; box-sizing: border-box !important;"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); text-align: center; box-sizing: border-box !important;"><font size="3"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><font size="3"><br style="max-width: 100%; box-sizing: border-box !important;"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><font size="3"> <span style="max-width: 100%; color: rgb(0, 128, 255); box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"> 芯片卡：</strong></span>金融IC卡又称为芯片银行卡，是以芯片作为介质的银行卡。其信息存储在智能芯片中，卡内信息难以复制，并且有多重的交易认证流程，可以有效保障账户资金安全。</font></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><font size="3"><br style="max-width: 100%; box-sizing: border-box !important;"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); text-align: center; box-sizing: border-box !important;"><font size="3"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><font size="3"><br style="max-width: 100%; box-sizing: border-box !important;"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><font size="3"> <strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; color: rgb(0, 128, 255); box-sizing: border-box !important;">磁条芯片复合卡：</span></strong>目前磁条芯片复合卡既有磁条卡又有芯片卡的功能，所以它实际的安全性等同于磁条卡，在防止复制的效果上并没有起到作用。只有关闭它的磁条交易功能，这样它才是真正的芯片卡。</font></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><font size="3"><br style="max-width: 100%; box-sizing: border-box !important;"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><font size="3"> <strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; color: rgb(0, 128, 255); box-sizing: border-box !important;">因此，从安全角度考虑，芯片卡比磁条卡难复制很多，安全系数相对较高。</span></strong></font></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><font size="3"><br style="max-width: 100%; box-sizing: border-box !important;"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); text-align: center; box-sizing: border-box !important;"><font size="3"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><font size="3"><br style="max-width: 100%; box-sizing: border-box !important;"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><font size="3"> <strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; color: rgb(0, 128, 255); box-sizing: border-box !important;">银行建议：大家尽快将手上的磁条卡换成芯片卡！</span></strong></font></span></p><p><font size="3"><br></font></p><article class="" data-author="Wxeditor" style="margin: 5px auto; max-width: 100%; color: rgb(62, 62, 62); border: 0px; box-sizing: border-box !important;"><section style="margin-right: auto; margin-left: auto; max-width: 100%; text-align: center; box-sizing: border-box !important;"><section class="" style="margin-right: auto; margin-left: auto; padding-right: 10px; padding-left: 10px; max-width: 100%; color: rgb(255, 255, 255); display: table; box-sizing: border-box !important; background-color: rgb(78, 153, 223);"><p style="max-width: 100%; min-height: 1em; line-height: 30px; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; line-height: 25.6px; box-sizing: border-box !important;"><font size="3">磁条卡还能用吗？</font></span></strong></span></p></section></section></article><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><font size="3"><br style="max-width: 100%; box-sizing: border-box !important;"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><font size="3"> 此次，央行关闭的是“芯片磁条复合卡的磁条交易”，也就是说只针对那种既有磁条又有芯片的复合卡，这种卡今年5月起只能使用芯片功能，<strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; color: rgb(0, 128, 255); box-sizing: border-box !important;">纯磁条的银行卡还是可以用，不会受影响。</span></strong></font></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><font size="3"><br style="max-width: 100%; box-sizing: border-box !important;"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); text-align: center; box-sizing: border-box !important;"><font size="3"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); text-align: center; box-sizing: border-box !important;"><br></p><article class="" data-author="Wxeditor" style="margin: 5px auto; max-width: 100%; color: rgb(62, 62, 62); border: 0px; box-sizing: border-box !important;"><section style="margin-right: auto; margin-left: auto; max-width: 100%; text-align: center; box-sizing: border-box !important;"><section class="" style="margin-right: auto; margin-left: auto; padding-right: 10px; padding-left: 10px; max-width: 100%; color: rgb(255, 255, 255); display: table; box-sizing: border-box !important; background-color: rgb(78, 153, 223);"><p style="max-width: 100%; min-height: 1em; line-height: 30px; box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; line-height: 25.6px; box-sizing: border-box !important;"><font size="3">换成芯片卡收费吗？</font></span></strong></span></p></section><section class="" style="margin-top: 5px; margin-right: auto; margin-left: auto; max-width: 100%; width: 10px; height: 17px; background-image: url(" http:="" mmbiz.qpic.cn="" mmbiz_png="" ianq03uuwgmlt5yb9rbt8cyvjn3xib768ib0eh99z2ccia7xfsbiiaqyatgcsm7zrhapaizccliajkuotpv2z06fmh2q="" 0?wx_fmt="png");" background-color:="" rgb(78,="" 153,="" 223);="" background-size:="" 100%;="" background-repeat:="" no-repeat;="" box-sizing:="" border-box="" !important;="" word-wrap:="" break-word="" !important;"=""><br></section></section></article><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><font size="3"> 连复合卡的磁条交易都要关闭了，那么纯磁条卡还有理由不换么？虽然纯磁条卡在有效期内依然能继续使用，鉴于纯磁条卡存在易被复制伪造的隐患，还是建议大家尽快更换为芯片卡。但是问题来了，换卡手续麻烦吗？要收费吗？</font></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><font size="3"><br style="max-width: 100%; box-sizing: border-box !important;"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><font size="3"> 答案是：<strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; color: rgb(0, 128, 255); box-sizing: border-box !important;">手续超级简单。</span></strong>你只用拿着身份证和原卡去银行，就可以办理啦。目前多数银行免收换“芯”费，少数银行收取5元，如果想保留原有卡号，可办理时向银行申请（某些开卡时间较早的磁条卡换成芯片卡，卡号无法保留）。</font></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><font size="3"><br style="max-width: 100%; box-sizing: border-box !important;"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><font size="3"> 如果卡号未变，原卡上的业务自动“迁移”至新卡，不用担心因更换芯片卡后，工资、房贷、水电等受到相关影响。</font></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><font size="3"><br style="max-width: 100%; box-sizing: border-box !important;"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); text-align: center; box-sizing: border-box !important;"><font size="3"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><font size="3"><br style="max-width: 100%; box-sizing: border-box !important;"></font></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><span style="max-width: 100%; box-sizing: border-box !important;"><font size="3"> 不过需要注意的是，如果原银行卡号无法保留，之前又绑定了还贷款的账户，要在当初办理贷款的支行办换卡业务。</font></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); box-sizing: border-box !important;"><strong style="font-size: medium; line-height: 1.5; max-width: 100%; box-sizing: border-box; font-family: 微软雅黑;">来源：</strong><span style="font-size: medium; line-height: 1.5;">人民网摘自微信公众号“央视新闻” ID：cctvnewscenter、“楚天都市报” ID:ctdsbgfwx</span></p><p></p>
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