Credit card payment without card is a relatively simple payment method, but it also has certain risks. Using a credit card to swipe the card at the counter, enter the password or sign the payment, which is the most commonly used "over-card transaction" of credit cards. The frequency of payment without card is also increasing. In this way, you only need to provide the card number, expiration date, "last three codes" and ID card information to complete the transaction. This situation is very common when cardholders book hotels, air tickets or shopping online.

You may want to know what the last three yards are. Actually, it's not difficult. It is also called the security code, which is the last three digits on the back of the credit card. This is encrypted by the bank. So when using a credit card, you must keep the last three yards of your credit card. In the payment process, if the merchant provides the "last three codes" to the bank, the bank will obtain the authorization of the cardholder to the merchant by default, thus allowing the transaction. "The last three codes are extremely important in offline transactions. Banks cooperate with qualified merchants, and merchants freeze some funds before cardholders spend. After the cardholder's signature is completed, the merchant can officially deduct this part of the funds. " The person in charge of a bank credit card center said that the "last three codes" are even as important as the bank card password and can be regarded as the "second password". Because the "last three yards" not only guarantees offline payment, but also plays a very important role in preventing your card from being cloned. "If criminals get credit card account information and copy the card, but don't copy the' last three codes' information, even if they know the password, they will be rejected by the ATM.