Credit card PS refers to pre-authorization, also called pre-authorization code. It is a way of processing credit card purchases to ensure that merchants receive payment. When a user swipes a credit card, the merchant will first apply for authorization from the card issuer, and the card issuer will approve a certain amount as pre-authorization, and then the merchant can complete the transaction. The pre-authorized amount is usually higher than the actual consumption amount of the user to prevent losses caused by improper handling by the merchant.

When using credit card PS, users need to pay attention to the following points. First, users need to reserve sufficient balance to avoid pre-authorization failure due to underpayment. Secondly, merchants need to complete the transaction within a certain period of time, otherwise the pre-authorization will become invalid. Finally, if the user decides to cancel the transaction, the merchant needs to submit a request to cancel the pre-authorization, otherwise the pre-authorization amount will remain frozen until the bank automatically releases the pre-authorization.

Credit card PS also has certain risks. If the merchant fails to complete the transaction and fails to cancel the pre-authorization in time, the pre-authorization amount will be frozen, which will have a detrimental impact on the user's credit card limit. To prevent this situation, users should frequently check the status of credit card pre-authorization and cancel uncompleted pre-authorization in a timely manner. At the same time, users also need to ensure the security of their own information to prevent their credit cards from being misappropriated by criminals and resulting in unknown credit card PS amounts.