Nowadays, all new bank cards have Quick Pass. I would like to ask how safe it is?

No authentication required. This quick pass part is risky, but you can deposit less in quick pass, because the maximum deposit can only be 1,000 yuan.

What’s wrong with credit card swiping without password? Is it safe?

Many cardholders will set a transaction password for the safety of swiping their cards, but they do not need to enter the password when swiping their cards, which makes them feel strange. Some even thought that there was an error in the banking system. In fact, it is very common to swipe a credit card without a password. Let’s take a look at what’s going on today.

What’s wrong with credit card swiping without password?

No password is required for credit card swiping. The main reason is that many banks' credit cards have enabled small-amount password-free and visa-free services by default, and set limits on the amount of card swiping. A single transaction of no more than 1,000 yuan can be skipped directly. Payment is made without a password. If a password is set for more than 1,000 yuan, you must enter the password before you can trade.

However, it also depends on the type of credit card. Credit cards are divided into magnetic stripe cards and chip cards. Chip cards cannot be used for password-free payment. Magnetic stripe cards depend on whether there is a "QuickPass" logo on the card. This type of card has built-in UnionPay contactless payment technology. UnionPay QuickPass POS machine swiping card can realize small amounts without password and visa.

Is it safe to swipe a credit card without a password?

The UnionPay QuickPass technology is used for small amounts without password and visa. It is technically safe, but it is a bit unsafe in operation. There are many reports in the news about POS machines being used to steal money through the air. In order to cope with this situation, UnionPay QuickPass has specially introduced risk compensation, advance payment and other mechanisms to provide 72-hour lost card protection service. If the card is stolen, you can apply for compensation.

However, there are also many cardholders who would rather go to the trouble of entering their password when swiping their card than take this unknown risk. They want to cancel the double-free credit card function. They only need to call the card bank’s service hotline and call Just answer the manual service and ask the customer service to cancel. The cancellation will take effect immediately. Even if you spend 1 yuan in the future, you will have to enter the password.

Is it necessary to turn off the Quick Pass function?

This depends on personal needs. If it is not needed, it can be turned off.

Credit card QuickPass can be turned off through mobile banking. The operation method is as follows:

1. Taking China Construction Bank as an example, open the China Construction Bank app and click on the arrow in the upper right corner.

2. Next, click Security Center.

3. After entering the security center page, click Quick Payment Management. 4. After entering the Quick Payment Management page, click the credit card that you want to turn off the Quick Pass function. 5. Next, click Suspend Authorization at the bottom of the page.

The so-called Quick Pass is a small-amount payment function that UnionPay standard IC has. It means that when the transaction amount is within a certain limit, you can pay with a swipe of the card. So, do all bank cards have Quick Pass function?

Not all bank cards have Quick Pass function. Generally, bank cards with Quick Pass function will have the Quick Pass logo on the card. If your bank card does not have this logo, , it means that your bank card does not have the Quick Pass function.

Moreover, Quick Pass is a small-amount payment function, so not all transactions can be Quick Pass. Generally, there is a certain limit, but the limits are different for different banks.

At the same time, everyone needs to note that Quick Pass has an independent electronic cash account, which is separate from the bank account, so bank card Quick Pass will not affect the security of your main account. . Among them, the electronic cash account of a debit card requires the cardholder to manually transfer funds. Credit cards generally have a default electronic cash amount, and the limit cannot exceed 1,000 yuan.

How to turn off the Quick Pass (password-free for small amounts) function of ICBC.

Because we are introducing the modification of password-free settings for small amounts from online banking, log in to online banking first. Select "Security" on the login homepage and click to enter the next menu.

In "Security Management", select "Visa-free Limit Settings".

In the page that pops up, change both the "single visa-free limit" and the "visa-free daily cumulative limit" to 1 yuan, and click "Submit". After the setting is completed, in the future, as long as we use the card to spend more than 1 yuan, we need to enter the password. Isn't it very simple?

In addition to the above method, there are two other methods that require manual operation, and the operation can make everyone feel more at ease.

You can call the bank customer service center in person and manually request modifications to the relevant password-free operations. In addition, you can also go directly to the bank to turn off the Quick Pass function.

Quickpass card, like other credit card products, is one of the industrial brands launched by China UnionPay. It is a financial instrument that can be used for payment without direct contact. Merchant card is the latest payment tool launched by UnionPay and has very good market prospects and potential.

How to use mobile QuickPass with a credit card? Two benefits to understand

Many card friends think that they must show their credit card to swipe their cards at POS machines. In fact, this is not necessarily the case. With the popularity of mobile payment, we can swipe our cards without taking the card when we go out. , you can spend it through mobile phone QuickPass. So, how to do it? Let’s take a look below.

How to use mobile QuickPass with a credit card?

Credit card mobile QuickPass actually uses the Cloud QuickPass function, that is, binds the credit card to a third-party payment platform on the mobile phone, such as Alipay, WeChat, Cloud QuickPass, etc., and then adjusts it when making payment. Enter the payment code on the credit card binding page, bring your phone close to the POS machine with the QuickPass logo, and complete the payment with a beep.

Two basic conditions need to be met. One is that the mobile phone must have NFC function, because QuickPass is a contactless fast payment that requires NFC function; the other is that the POS machine must have QuickPass. POS machine, both are indispensable. In addition, merchants are also required to pay cloud quick payment collection.

What are the benefits of credit card mobile Quick Pass:

1. No physical card is required, and payment can be made quickly. Mobile Quick Pass has dual-free service enabled by default, and a single transaction is less than 1,000 You can spend less than 1 yuan without entering a password. If you are worried about being unsafe, you can turn off the double-free service on the third-party payment platform. When making Quick Pass, you need to enter the password regardless of the amount.

2. The rates are low. The current standard rates for credit card POS machines are just to promote mobile Quick Pass. UnionPay will subsidize the rates of POS machines. The single transaction amount is less than 1,000 yuan. The rate is discounted by nearly half, which is still a good deal for merchants.

That’s it for the introduction of whether credit card quick pass is safe.