In recent years, credit cards can be paid by telephone in addition to swiping cards through POS machines and online consumption. After the introduction of credit card telephone payment, because there is no need to swipe the card and enter the password, the payment can be completed only by quotation, validity period and the last 3 yards of the card, which makes consumers enjoy the convenience of payment and makes many cardholders worry about being fraudulently used.

At present, it is generally believed that the five chaos of credit card telephone payment has become a trap that consumers need to be very careful to avoid.

Trap 1:

Confirm with the cardholder that the transaction procedure is not perfect. Although some banks send pre-authorized short messages to cardholders after telephone payment, they often don't inform cardholders at the time of settlement, so it is difficult for cardholders to know whether the transaction is valid.

Trap 2:

The rights and interests of cardholders are ignored. When telephone payment occurs, because of the close relationship between the merchant and the bank, the bank will inevitably follow the merchant's handling opinions for its own benefit, which will more or less harm the cardholder's interests and make it difficult for consumers to claim their own rights and interests.

Trap 3:

Cardholders have no choice. The telephone payment function of credit card can be automatically opened without the cardholder's application and cannot be cancelled. Banks do not have the right to choose whether to open telephone payment service for cardholders. The specific merchant for credit card telephone payment is also selected by the bank itself, and the bank will not inform the cardholder in advance. Only when consumers go to the merchant to spend money will the merchant inform consumers whether they can provide credit card telephone payment service.

Trap 4:

The information inquiry program is very convenient. In the process of credit card telephone payment, the merchant's verification procedure is very simple, as long as the cardholder provides the validity period and the last three digits code, and it is not limited to the cardholder's own use. As long as the merchant and the bank check correctly, pre-authorization will be generated. After that, the merchants and banks will no longer check with the cardholders, but settle the accounts themselves, that is, the cardholders have entered the settlement procedures of the merchants and banks when the pre-authorization is generated.

Trap 5:

The security function of the system itself is lacking. The promotion of password-free credit card telephone payment business relies on a major feature of real-name registration consumer business, and counterfeit consumption is more difficult. However, difficulty does not mean that there are no loopholes to drill. At present, there are no other security measures in the system to prevent counterfeit consumption except checking the above three information of credit cards with merchants.

However, many experts also pointed out that although using credit card to pay by telephone has certain risks, it should not be abandoned because of choking. Cardholders can still improve the security of credit card telephone payment in many ways.

First, cardholders should try to keep their cards well in their daily lives to prevent card information such as card information, expiration date and verification code from being leaked. In particular, don't give the credit card to the clerk to settle the account, so as to avoid people with ulterior motives taking the opportunity to obtain relevant information about the credit card. It's best not to let the credit card leave your sight.

The second is to keep the documents and vouchers with information well so as not to fall into the hands of people with ulterior motives.

Third, cardholders should try to hide their credit codes from the people around them when making credit card consumption. They can also cover the verification code of the credit card, that is, the last three codes, with tape or other objects in advance, so that even if someone with a heart gets the credit card or catches a glimpse in a short time, they may not be able to report the last three codes, but the fraud of making telephone payment with the credit card will succeed.

Fourth, the cardholder can set up SMS reminder function for his credit card, so as to know the change of the amount in the card at the first time, and report to the bank or the police immediately if any abnormality is found. It is understood that although some banks will send pre-authorized short messages to cardholders after credit card telephone payment, they often do not inform cardholders at the time of settlement.

What does credit card swiping UnionPay Business 95534 mean?

Credit card UnionPay business 95534 consumption refers to:

95534 is the customer service phone number of UnionPay Business. For specific consumption, you can call the CCB credit card customer service hotline, and the customer service staff will assist in the inquiry.

If you have any questions, you can open the homepage of China Merchants Bank and click "Online Customer Service" in the upper right corner to enter the consultation.

Brief introduction of unionpay:

China UnionPay refers to the bank card joint organization in China, which realizes the interconnection and resource sharing among commercial banking systems through the UnionPay interbank transaction clearing system, and ensures the interbank, trans-regional and cross-border use of bank cards. UnionPay network is spread all over China, and has been extended to 150 countries and regions outside Asia, Europe, America, Oceania and Africa (as of 20 15 1.20).

Is it a consumption to pay the phone bill by credit card?

Paying the phone bill by credit card is consumption.

When paying online, you need to enter the validity period of the credit card, the number of Visa CVV2/MasterCard CVC2/ UnionPay CVN2 next to the signature column on the back of the card, the online transaction password, and sometimes you need to enter your name, the verification code randomly generated by the webpage, etc. After the input is completed, click Submit to complete the online payment.

Television telephone transaction, similar to online payment, needs, validity period, visa CVV2 code/MasterCard CVC2/ UnionPay CVN2 and other information.

Extended data:

The consumption mode of using credit card is basically the same as that of using debit card, but there are some minor differences. When spending by credit card, you can follow the following methods:

1. When swiping your card, please don't put your credit card away from your sight to avoid misuse or theft;

2. Don't sign a blank or unfilled bill at will;

3. Before signing, be sure to confirm whether the amount listed in the signed bill is correct, and pay attention to whether the consumption currency and the amount expressed in words and figures are correct;

4. When the transaction needs to be rewritten or cancelled due to the wrong signing, the merchant is required to tear up all the original signing and keep the return voucher 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 my credit card;

6. After the transaction is completed, please keep the root contact of the signing cardholder for checking with the credit card statement sent by the bank.