Many card friends think that credit cards can only be traded with passwords. Actually, it is not. You can use a credit card without a password. Some people even report that credit cards without passwords are safer than setting passwords. If you don't want to set a password for your credit card and want to use it, let's find out.
Can I use a credit card without a password?
There are two kinds of credit cards: inquiry password and transaction password. Usually, the practice of not setting a password refers to the transaction password, which is generally more common abroad.
It is said that credit cards have no passwords. If there is a stolen brush, you can find a merchant to sign the bill, confirm the cardholder by signature, and ask for refusal or refund. The premise is that you have relevant copies or photos, record your credit card and then sign the pattern for comparative evidence.
It is not difficult to see that credit cards can be used without passwords.
So, how to use a credit card without a password?
Credit cards don't have passwords. Generally, you need to choose a signature transaction when applying, and then the bank will pay by default without a password.
Then all you have to do is take a credit card, swipe it on the POS machine, and then sign the credit card bill for payment.
In addition, if your credit card is a flash payment card, the bank will open a small amount of secret-free payment by default, and the transaction is below 1000 yuan, so you can also pay without entering a password.
The above is "Can a credit card be used without a password?" As can be seen from the above introduction, credit cards can be used without passwords, mainly through signing transactions. It should be noted that the signature transaction has certain risks, especially if the credit card is lost and easily stolen by others. After all, most shopping malls don't carefully check the signatures of consumers.
How to cancel the password setting of credit card?
The credit card goes to the bank counter to cancel the transaction password and sign it instead. There are generally two ways to confirm credit card consumption in China: ① credit card signature consumption; ② Credit card payment password plus signature. Precautions for signing up for consumption: ① First, check whether the amount listed in the consumption bill is correct, pay attention to whether the consumption currency and the amount expressed in words and figures are correct, and ensure that the signature on the bill is consistent with the signature on the back of the credit card; ② Because there is no password, don't let the card stay away from your sight when swiping the card, so as to avoid stealing the card or stealing the card information. (3) Don't sign the bill with blank or incomplete amount at will, so as to avoid personal signature being fraudulently used and credit card being stolen; (4) If the transaction needs to be rewritten or cancelled due to the wrong signing, please ask the merchant to tear up all the original signing and keep the return voucher given by the merchant to avoid future occurrence; ⑤ After signing the bill, please confirm that the credit card returned by the salesperson of the special merchant is indeed his own credit card; ⑥ After the transaction is completed, please keep the root contact of the signing cardholder for checking with the credit card statement sent by the bank.
How to cancel the credit card password? Is it safe to cancel the password of the credit card?
Card friends often want to cancel their credit card passwords after hearing others say that credit cards are safer without passwords, but they don't know how to do it. Although different banks have different ways to cancel credit card passwords, they can all cancel them through online banking, customer service telephone and bank outlets. Let's have a look.
First, how to cancel the credit card password
All bank credit cards can cancel their passwords through online banking, customer service telephone and bank outlets, and different channels have different cancellation methods.
1. online banking: to cancel the password through this channel, you only need to log in to the official website of your issuing bank's credit card, enter the personal center, find the card management, select the password management, set the password, enter the password you are using now, and then leave the new password blank to cancel the password.
2. Customer service telephone number: Call the 24-hour customer service hotline of the issuing bank where your credit card is located, transfer the manual service, and ask the customer service to help cancel.
3. Bank outlets: Cardholders bring their ID cards and credit cards to bank outlets and cancel their passwords under the guidance of staff.
Second, is it safe to cancel the password of the credit card?
Many people think that it is safer to set a password on a credit card. However, due to the news from the insiders of the bank, it is safer to set the password for credit cards, and many card friends decisively canceled the set credit card password. So, is a credit card without a password really safe?
Some credit card experts said that there is a premise that it is safer without a password. First of all, the cashier should strictly check the signature, make the first pass, and the bank should guarantee the rights and interests of the cardholder after the theft really happens, but these two points are difficult to do in China.
So in contrast, they prefer to use passwords. After all, it is a better way to use passwords under the national conditions. As long as the cardholder has mastered some rules of using the card safely, it is no problem to use the card with a password.
For example, don't give it to others, protect personal information and card information (password, three-digit code), don't trade on bad websites, and change passwords frequently.
How to close the confidentiality-free setting of Guangfa Credit Card? It is safe to do so.
In order to facilitate the use of credit cards, many people have opened the credit card secret-free function, which is convenient for daily consumption, but it also lays a hidden danger to their property safety. Today, I would like to introduce to you how to turn off the confidentiality setting of Guangfa Credit Card. Account security is the first priority and should not be underestimated.
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1. CGB credit card security setting and closing process (APP found)
1. Enter the mobile phone client of Guangfa Credit Card-discover the APP；;
2. Click the function bar at the bottom to enter the credit card interface;
3. Select "Card Management" to enter the credit card page where you want to turn off security settings;
4. Enter the security settings page, open the coupon password, and then close the small secret-free function.
In addition to operating on the Discovery APP, credit card official website, customer service hotline and bank outlets can actually handle this business.
Second, why do you want to turn off the security settings?
After the secret-free setting, credit card consumption can be completed without password, which will leave great hidden dangers for the safety of credit card use, especially after the credit card is lost and found by others, it is very easy to be stolen.
Many bank credit cards are automatically set to the function of small confidential payment after opening the card. For the safety of your own property, it is recommended to turn off this function when handling credit cards.
Why doesn't the credit card have a password?
First of all, you can be sure that a signed card is safer than a card with a password. It's his business that the cashier doesn't check the voucher or the signature when you go to spend money. As long as the signature does not match, all the responsibilities will be borne by the bank or the merchant, so this card must sign your name.
This kind of card usually has a password and is used at ATM.
Many cards in the world are signature cards, not password cards.
At present, most of the stolen funds are password cards, and there are basically no answer cards. Some banks or businesses also bear the compensation.
Once the funds on the password card are stolen, the responsibility can only be borne by yourself, and it is useless to go to court, and there is basically no chance of winning.
It doesn't matter if all your information is lost. The signature card needs you to handle the business in person, but you can't do it on your behalf, and you have to sign it for verification. It takes time to imitate a person's signature, and you have time to report the loss.
At the same time, the card is imported from abroad. On the one hand, considering universality, if a 6-digit password is set in China, some countries can't set the password, which will make these areas unusable; In addition, it is an international practice not to set a password, which is more convenient to use. Now foreign countries have corresponding insurance measures for credit card theft, so we expect the domestic risk protection clauses to be more perfect.
At present, some banks also use passwords for domestic credit card transactions, but overseas transactions can be successful without passwords. This is also a compromise to China's national conditions.
PS: I haven't lost my credit card. If the credit information and personal data are obtained, isn't it still very unsafe?
Yes, the validity period of the credit card and the last three digits of the signature column on the back of the card are important information of the card. Please keep it safe and don't leak it easily. If fraud is found, it should be reported to the issuing bank in time. The bank will take corresponding measures here.
What's wrong with swiping a credit card without a password?
The reason for not using the password may be that a small amount of confidentiality is exempted from visa, or there is no payment password. If the transaction password is not set, the credit card can be consumed by signature at this time, and there is no password consumption limit for the credit card held, such as 500 yuan.
Secret-free and visa-free payment means that small payments can be completed without passwords and consumer signatures. Internationally, small secret-free visa-free payment is a mature payment method, which is also widely used in the domestic mobile payment field. Alipay, WeChat and other payment tools all have this function, which is the basic function of bank card opening by default.
Safety precautions:
1. When paying for goods, if you find terms and options such as "I agree" and "authorize" on the page, you should browse carefully and don't authorize functions such as "confidential payment" easily.
2. When setting up "confidential payment", users should also consider the frequency and amount of consumption on this platform. For those platforms with low frequency of use or high average consumption, users should try not to open confidential payment.
3. Users should avoid using birthdays and mobile phone numbers as passwords to avoid being used by criminals.
4. When "confidential payment" is enabled, users should set the monthly limit or one-time payment limit of confidential payment to avoid expanding losses.
Special payment:
Unionpay United Bank has set up special compensation for cardholders and provided 72-hour card loss protection service. That is to say, for UnionPay cards (including "China UnionPay Express") below 1000 yuan, if the card is lost or stolen, the cardholder can get compensation for stolen consumption within 72 hours before reporting the loss, and each cardholder can pay a maximum of 30,000 yuan per year.
In terms of compensation, the principle of "full compensation for risks" is adopted. In order to reduce the security concerns of cardholders, UnionPay and commercial banks have set up special compensation for cardholders, providing a small double-exemption "all-risk compensation" service, which can cover the fraudulent losses suffered by cardholders.
How to use:
The specific implementation method is as follows: once the user's mi band is bound to the mobile phone Alipay client, once the bracelet is close to the mobile phone, the operation of inputting the payment password can be omitted, and the payment can be completed directly by wearing the bracelet, thus realizing a convenient confidential-free payment process.
If consumers don't want to use the small secret visa-free payment function, they can also turn it off at any time. Debit cards and credit cards issued by bank outlets to consumers basically have the functions of small secret exemption, visa exemption and "flash payment" by default. If consumers want to turn off this function, they can call the customer service of the issuing bank to turn it off, or go to a bank outlet to handle it. To turn off this function, the cardholder only needs to apply to the bank card issuer.
This is the end of the introduction about why credit cards don't have passwords and why they don't need passwords. I wonder if you have found the information you need?