Can I use a credit card without a password? You will know after reading it!

Many cardholders think that a credit card can only be traded with a password. Actually, it is not. You can use a credit card without a password. Some people even report that a credit card without a password is safer than a password. If you don't want to set a password for your credit card and still want to use it, let's find out together.

can I use a credit card without a password?

There are two kinds of credit cards: inquiry password and transaction password, and the usual practice of not setting a password refers to the transaction password, which is generally more common abroad.

It is said that there is no password for the credit card. If there is a stolen credit card, you can ask the merchant to sign the bill to identify the person who swiped the card by signing, and ask for a 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 a password. Generally, you need to choose to trade by signature when applying, and then the bank will pay without a password by default.

Then you just need to take the credit card, swipe it at the POS machine, and then sign the credit card bill to make payment.

In addition, if your credit card is a flash payment card, the bank will open a small amount of confidential payment by default, and you can pay without losing your password for transactions below 1 yuan.

The above is the introduction of "Can a credit card be used without a password?" From the above introduction, it can be seen that a credit card can be used without a password, mainly by signing transactions. It should be noted that trading by signature has certain risks, especially if the credit card is lost and easily stolen by others. After all, most shopping malls will not carefully verify the signature of consumers.

how to cancel the password setting for a credit card?

the credit card goes to the bank counter to cancel the transaction password and replace it with a signature. There are generally two ways to confirm credit card spending in China: ① credit card signature spending; ② Credit card payment password plus signature. Precautions for signing consumption: ① First, check whether the amount listed in the consumption bill is correct, and pay attention to whether the consumption currency and the amount in words and figures are correct, so as to 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 the personal signature being used and the credit card being stolen; (4) If the transaction needs to be rewritten or cancelled due to an error in signing the bill, please ask the merchant to tear up all the original signed bills and keep the return certificate given by the merchant to avoid future occurrence; ⑤ After signing the account, please confirm that the credit card returned by the salesperson of the special merchant is really your own credit card; ⑥ After completing the transaction, please keep the root contact of the cardholder who signed the bill, so as to check with the credit card statement sent by the bank.

how to cancel the credit card password? Is it safe to cancel the password of a credit card?

There are often card friends who want to cancel their credit card password after hearing others say that it is safer without a password, but they don't know how to do it? Although the credit card password cancellation methods of different banks are different, they can all be cancelled through online banking, customer service telephone and bank outlets. Let's take a look.

1. How to cancel the credit card password

Credit cards of all banks can cancel their passwords through three channels: 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 on 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, and you can 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, and transfer the manual service to ask the customer service to help cancel it.

3. Bank outlet: The cardholder takes your ID card and credit card, goes to the bank outlet, and cancels the password under the guidance of the staff.

second, is it safe to cancel the password of the credit card?

Many people think that it is safer to set the password of the credit card, but because the internal staff of the bank broke the news that it is safer to set the password of the credit card without it, many cardholders decided to cancel the password of the credit card. So, is a credit card without a password really safe?

Some credit card experts said that it is necessary to be safer without password. First of all, the cashier should strictly check the signature and keep the first pass, and the bank should guarantee the rights and interests of the cardholder after the stolen brush really happens, but these two points are difficult to do in China.

therefore, they prefer to use passwords. After all, using password is a better way under the national conditions. As long as the cardholder grasps some rules for safe card use, it is no problem to use the card with password.

For example, don't use it to others, protect personal information and card information (passwords, three-digit codes), don't trade on bad websites, and change passwords frequently.

how to turn off the confidentiality-free setting of guangfa credit card? Only in this way can it be safe

Many people have opened the function of credit card secrecy exemption for the convenience of using their cards. Although this is convenient for daily consumption, it also poses hidden dangers to their property safety. Today, I would like to introduce to you how to close the confidentiality-free setting of Guangfa Credit Card, and account security is the first, which should not be underestimated.

Hot Card Promotion: How much is the credit limit of JD.COM Guangfa White Card? The factors that determine the level of the credit line are

1. The confidential setting and closing process of Guangfa Credit Card (Discovery APP)

1. Entering the mobile phone client of Guangfa Credit Card-Discovery 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 the confidentiality setting;

4. enter the security settings page, open the consumption receipt password, and then turn off the small exemption 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 secret-free setting

After the secret-free setting, credit card users can complete transactions without passwords, which will leave a great hidden danger to 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-sum confidential payment after card opening. For the safety of your own property, it is recommended to turn off this function when handling credit cards.

why don't credit cards have passwords?

first of all, you can be sure that a signed card is more secure than a card with a password. It's his business if the cashier doesn't check the certificate or the signature when you go to spend money. As long as the signature doesn't match, all the responsibilities will be borne by the bank or the merchant, so this kind of card must sign your name.

this kind of card usually has a password, which 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, but there are basically no answer cards. Some of them are, and banks or merchants also bear the compensation.

once the funds on the password card are stolen, the responsibility can only be borne by yourself, and it's useless to go to court, and basically you won't win.

it doesn't matter if all your information is lost. The signature card requires that you must handle the business in person, and you can't act as an agent, and you must sign and check it. It takes time to imitate a person's signature, so you have time to report the loss.

At the same time, credit cards are imported from abroad. On the one hand, considering the universal nature, if you set a 6-digit password in China, some countries can't set a 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 there are corresponding insurance measures for credit card theft abroad, so we expect the domestic risk protection clauses to be more perfect.

At present, some bank credit cards are also used for domestic transactions with passwords, but overseas transactions can be successful without passwords. This can also be regarded as a compromise to China's national conditions.

PS: The credit card has not been lost. If the credit and personal data are obtained, it is still very unsafe.

yes, the credit card's expiration date and the last three digits of the signature column on the back of the card are all important information of the card, which should be properly kept and not easily disclosed. If any fraud is found, it should be reported to the issuing bank in time. The bank will take corresponding measures here.

What's wrong with using a password when swiping a credit card?

The reason why you don't use a password may be that you don't need a small amount of confidential information, or you don't have a payment password. If you don't set the transaction password, the credit card can be consumed by signature at this time, and the credit card you hold has a password-free consumption limit, such as 5 yuan.

Small-amount confidential and visa-free payment means that small-amount payment can be completed without password and consumer's signature. In the world, small-sum secret-free and visa-free payment is a mature payment method, and it 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 the default opening of bank cards.

security precautions:

1. when paying for goods, if you find that there are 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 amount, 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 a monthly limit or a one-time payment limit for confidential payment to avoid the loss from expanding.

special payment:

unionpay and banks have set up special payment for cardholders, providing 72-hour card loss protection service. That is to say, UnionPay cards (including "China Unionpay Quick Pass") within 1 yuan are exempt from confidentiality and visa-free transactions. Because the cards are lost or stolen, the cardholders can get compensation for the stolen consumption within 72 hours before reporting the loss, and each cardholder can pay a maximum of 3, yuan annually.

the principle of compensation is "full risk compensation". In order to reduce the security concerns of cardholders, UnionPay and commercial banks have set up special compensation for cardholders, providing a small amount of double exemption "full risk compensation" service, which can cover the fraudulent losses suffered by cardholders.

How to use it:

The specific implementation method is: once the user's mi band and the mobile phone Alipay client are bound, once the bracelet is close to the mobile phone, the operation of inputting the payment password can be omitted, and the payment can be directly completed by wearing the bracelet, thus realizing a convenient secret-free payment process.

if consumers don't want to use the small secret-free and visa-free payment function, they can turn it off at any time. Debit cards and credit cards issued by bank outlets to consumers are basically enabled with the functions of small amount of confidentiality exemption, visa exemption and "flash payment" by default. If consumers want to turn off this function, they can contact the customer service of the card-issuing bank to turn it off by phone, or go to the 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 credit cards don't need passwords. Did you find the information you need?