The Baidu Quick Pass card in Baidu Netdisk is not a loan shark. Baidu Quick Pass Card is a bank card without physical media. Baidu Quick Pass Card is China's first digital bank card launched for Baidu users by Baidu, Baixin Bank and China UnionPay on August 15, 2020.

1. Is Baidu QuickPass Card a credit card?

Baidu QuickPass Card is not a credit card. Although Baidu Quick Pass Card is a digital credit card jointly launched by Baidu and Baixin Bank, it is actually a Type II card account, which is essentially a debit card, not a credit card. After all, credit cards have overdraft limits, and you can spend in advance and then repay later. Baidu QuickPass card does not have an overdraft limit. Although it can be bound to various PAYs like virtual credit cards and paid through QuickPass POS machines, it uses the limit in the bound bank card and does not need to be used after use. It’s repayment because it’s everyone’s own money. Baidu Quick Pass is a credit loan product launched by Baixin Bank, which can provide you with a way to spend money and borrow money. It has a maximum limit of 200,000. After opening, you can get both a consumption limit and a borrowing limit. The consumption limit can be paid through Baidu Quick Pass card. . Users use various PAY Quick Passes or scan codes to pay at UnionPay Cloud Quick Pass merchants. If they choose to use "Hao Hui Hua·Borrow Money" to pay, they can use the consumption limit of Hao Hui Hua to pay, which is equivalent to paying with Hao Hui Hua. If you borrow money, you need to repay it on time. The most convenient way is to add money to the Baidu Quick Pass balance through the bound bank card after the bill comes out, and then use the balance to repay Haohuihua.

2. How to cancel Baidu Quick Pass Card

First open Baidu App, then click the check mark icon in the upper right corner of the page, open the "Newbie Instructions" on the new page, and then select " My customer service", and then reply "How to cancel the QuickPass card", then the customer service will need to provide the reserved name, ID number, contact number and email address. After providing the relevant information, just wait for the bank to cancel it. Cancellation is possible SMS notification. It should be noted that Baidu Quick Pass Card belongs to the second category of bank cards and cannot be canceled directly. It can only be canceled by submitting relevant information through customer service. It can only be canceled after passing the review. Otherwise, it cannot be canceled.

Baidu QuickPass cards are issued using a virtual bank card issuance system. Users can apply for, activate and use bank cards without physical media through the Baidu QuickPass smart applet.