And banks need to change the appearance of credit cards, they can use chip instead of holograms to increase the security of credit card. Because the smart card is able to identify the customer's personal information through the chip when this card is inserted into the payment device. On the other hand, the bank must provide relevant advice to its customers (Balan and Popescu 2011), in order to help them use their credit cards safely. In addition, the bank staff has the responsibility to check in time whether the ATM has any problems or not. Finally, if a customer loses or steals their credit card, they must first call the bank to freeze their account. The bottom line is that customers need to open the message verification function when they spend or withdraw a lot of money via credit card. These reasonable steps can help customers protect their credit card titles. But these measures also encounter more difficulties with certain actions, for example, promulgating a law is not an easy thing. We need to redouble our efforts on many aspects. And for customers, the relevant advice on credit cards that have been added to the new features of their phone may not be available because some people are not able to make changes and the bank does not allow them to do so. no obligation.