Credit card secret-free payment, also called small secret-free payment, allows cardholders to enjoy a very fast payment experience. For example, your credit card is a flash payment card without secret payment. On POS machines with flash payment logo, you can pay by credit card without entering a password. So, is this payment method good or not? Will there be any hidden dangers? Let's introduce the related contents of credit card confidential payment for everyone.
What is credit card confidential payment?
Credit card confidential payment is generally only for small transactions, that is, the small confidential face-to-face function of credit cards, which is a fast payment service provided by China UnionPay for credit card holders.
As long as your credit card has the flash payment logo and the amount of credit card swiping is lower than the credit card confidential payment limit, you can swipe your card on the POS machine with the flash payment logo to complete the transaction without password and signature authentication.
What is the credit card security payment limit?
Previously, UnionPay's debit card and credit card were both 300 yuan limits.
However, from June, 2065438 1 day, UnionPay raised the single limit of small-sum confidentiality for UnionPay chip debit cards and credit cards from 300 yuan to 1000 yuan.
In other words, your debit card or credit card has the function of flash payment. If you swipe your card through contactless transaction, as long as the amount is below 1000 yuan, you can realize flash payment without password and signature at all.
Is it safe to pay by credit card without encryption?
Now many people use this function when they pay. Although the payment process is simple and convenient, it is also easy for consumers to be stolen without knowing it. Therefore, payment is still very risky, and it is recommended to close it here.
How to close the credit card confidential payment?
Credit card confidential payment can be closed through mobile banking, branch counters and customer service calls. For example, the small confidential payment of China Merchants Bank Card can be closed as follows:
Mobile banking: Click on My-Bank Card -"ATM and POS Settings-Small Secret Free Close.
Branch counter: You need to bring your valid ID card and credit card to any branch counter of China Merchants Bank to apply for account cancellation. Proxy is not supported.
Manual dialing: directly dial the credit card customer service hotline of China Merchants Bank, and turn to manual application for closing.
What is the one-day limit for UnionPay's small confidential exemption visa? Summary of limits of six commercial banks
Although the small secret visa-free service is convenient to pay, it also has certain risks, so many banks have set a one-day trading limit. But the amount of each bank is different. Previously, the one-day quota of the five major state-owned banks was introduced. Here is a brief introduction to the quotas of six commercial banks.
1, China Merchants Bank
The accumulated amount of small-sum confidentiality exemption for debit cards is 2,000 yuan, and the accumulated amount of credit cards is 3,000 yuan.
If you don't want to use this service, the cardholder can call customer service (debit card service hotline 95555, credit card service hotline 400-820-5555) and turn off the small secret visa-free function at the counter of the business hall.
2. Industrial Bank
Debit cards and credit cards have the same limit, and the cumulative amount of small confidential exemption is 3000 yuan per day.
If you don't want to use this service, debit card holders can close it through the Industrial Bank mobile banking APP and call customer service 9556 1, the counter of the business hall. Credit card holders can call customer service at 9556 1 to cancel the account.
3. Minsheng Bank
The default cumulative amount of small-sum confidentiality exemption for debit cards is 1000 yuan (inclusive), but the cardholder can adjust the limit by himself, and the maximum amount is not more than 3,000 yuan (inclusive); The default accumulated amount of small confidential visa-free credit card is 5000 yuan (inclusive).
If this service is not needed, debit card holders can close it by calling customer service number 95568, mobile banking APP, online banking, etc. Credit card holders can close it by calling the credit card customer service number 4006695568 and the National Life APP.
4. Guangfa Bank
Debit cards and credit cards have the same limit, and the cumulative amount of small confidential exemption is 3000 yuan per day.
If you don't want to use this service, the cardholder can call our customer service phone number 4008308003 and the business hall counter to close it.
5. China CITIC Bank
The small confidential visa-free credit card accumulated 3000 yuan in a single day, and then the transaction failed.
If this service is not needed, the cardholder can close it by calling the credit card customer service hotline (40088-95558), the mobile phone card space APP and other channels.
6. China Everbright Bank
The daily accumulative amount of small confidential visa is 3,000 yuan, and the transaction failed thereafter.
If this service is not needed, the cardholder can close it by calling customer service number 95595, business outlets, mobile banking APP, Sunshine Life APP and other channels.
How to open small secret-free payment with China Merchants Bank credit card
When using a credit card, you don't need to enter a password for micropayment. Don't be surprised. The bank opened this function to facilitate users to use the card. Of course, it can also be turned on and off as needed. Let's introduce it below.
Tools/materials
Mobile phone, handheld life APP
0 1
Open the Pocket Life App, click "My", and then click the gear-shaped "Settings" above;
02
You need to log in first and enter the reserved mobile phone number and login password. Note that this is the login password and should not be confused with the payment password. Click Next.
03
Enter the settings page, find the payment management, and click Enter;
04
There is a "small secret payment" option in the middle and a switch at the back. Click to open it;
05
You need to enter the payment password here to open it. It is the password used for APP transactions at ordinary times, but it is not a credit card password. No password is needed to close the little secret.
06
After opening, you can select the following confidential amount and click Enter;
07
There are five options, namely 200, 500, 800, 1000 and 2000 yuan/transaction, and user-defined amount is not supported;
Special tips
Although it is a small confidential payment, it should be used with caution to prevent theft;
This is the end of the introduction of China Merchants Credit Card, and how to open it. I wonder if you have found the information you need?