How to turn off password-free credit card payment? Simple steps to solve it in minutes
Nowadays, using credit cards for consumption is a very common consumption method. The credit card has a small function called "small amount without password and visa-free", which is a quick service provided by China UnionPay to cardholders. So how to cancel password-free payment? Let’s go and have a look next.
Credit cards have a small function called "Small amount without password and visa required", which is a fast service provided by China UnionPay to cardholders. When a credit card has the "Quick Pass" mark, password-free payment will be used when making transactions of a certain amount (300 yuan domestically, and the local limit overseas) and below at designated merchants.
But if you lose your credit card and turn on password-free payment, the credit card may be maxed out, so it is better to turn off password-free payment. So how to turn off password-free credit card payment?
1. Use credit card APP
Nowadays banks basically have their own credit card APP, and on these APPs, users can also turn off password-free payment on their own.
2. Call the bank customer service number
Call the bank customer service number and inform the bank that it needs to cancel the "password-free and visa-free small amount" function, and then check the personal information and pass it. , the bank will turn off this feature for you.
3. Go to a bank branch
You can also bring your ID card and credit card to the nearest bank branch and inform the bank at the counter to request to turn off the "password-free and visa-free payment for small amounts" "For this function, the bank will turn off password-free payment on the spot, which will take effect at that time.
The above is the relevant content brought to you "How to turn off password-free payment with credit card? Simple steps to solve it in minutes". Although you can turn off password-free payment according to the above method, the credit card still needs to be kept safe. , be careful of being stolen.
How to turn off the password-free payment function of a credit card
If you want to turn off the small-amount password-free payment function of a credit card, you can log in to the mobile banking client or credit card APP of the issuing bank and go to the credit card management Find the password-free payment settings on the page and click the close button.
Take China Construction Bank as an example. After logging in to CCB Mobile Banking, customers click "Credit Card", then click "Credit Card Management", and then click the "Payment Management" menu to close; or they can log in to CCB Personal Online Banking. , click "Card Manager" on the "Credit Card" page, then click "Payment Management", and then close the operation.
(Operating environment: Apple 12 mobile phone, ios14 system, China Construction Bank version 5.6.0)
In addition, customers can also directly call the customer service number of the card-issuing bank through In the manual service channel, submit an application to close the password exemption to the customer service staff. If there is a card-issuing bank branch near where you live, customers can also bring their personal ID and credit card to the branch counter to find staff to close the password-free payment procedure.
Everyone needs to note that after turning off the password-free payment function, you will not be able to make password-free payments through QuickPass at small-amount password-free and visa-free merchants. Customers can only make payment by inserting a card. Trade, or switch to other cards for trade.
Small-amount password-free and signature-free payment means that small-amount payments can be completed without a password or consumer signature. Internationally, small-amount password-free and visa-free payments have become a mature payment method, and are also widely used in the domestic mobile payment field. Payment tools such as Alipay and WeChat all have this function, and it is a basic function enabled by default for bank cards.
Alipay's "payment code" function is turned on by default. There is no need to verify the payment password. Each order of less than or equal to 1,000 yuan can be "password-free payment".
The WeChat Payment User Service Agreement also states that when using a payment code to pay for consumption of less than 1,000 yuan (3,000 yuan for specific merchants), you can use "password-free payment" transactions.
1. When paying for goods, if you find terms options such as "I agree" and "Authorize" on the page, browse carefully and do not easily authorize functions such as "password-free payment".
2. When setting up "password-free payment", users should also consider the frequency and amount of consumption on the platform. For those platforms with low frequency of use or high average consumption amount, users should try not to Enable password-free payment.
3. Users should avoid using birthdays, mobile phone numbers, etc. as passwords to avoid being used by criminals.
4. When activating "password-free payment", users must set a monthly limit or a single payment limit for password-free payment to avoid expansion of losses.
Regarding password-free payment, there may be security risks in two aspects: loss of the bracelet and the transmission process.
In the case of lost bracelets, the Xiaomi Mi Band team stated that each Mi Band corresponds to a unique identity code. When connected to the mobile phone, Alipay Wallet will identify whether the bracelet code matches the bound account. , the password-free payment function will be activated only after confirmation. And the bracelet cannot be bound to the new account before the original account is unbound, so there is no need to worry about losing or borrowing the bracelet.
During the Bluetooth transmission process between the bracelet and the mobile phone, the payment data is transmitted using a multi-layer encrypted channel, and the data for each authentication is randomly generated by the server. There is no sensitive information in the data, so you can rest assured. use.
How to turn off password-free payment on credit cards
The methods for turning off password-free payment on bank credit cards are:
1. Bank outlets:
Cardholders bring their ID cards and credit cards to a bank branch near their home and turn off the card's password-free payment function at the counter.
2. Customer service hotline:
Cardholders can directly call the customer service hotline of the card-issuing bank on the back of the card. After verifying their identity, provide the credit card for which password-free payment is to be turned off.
3. Credit card APP:
Download the bank’s exclusive credit card APP. After logging in with your credit card, you can also turn off password-free payment on it. Take Ping An Bank as an example here:
(1) Click Settings
On the My page of the credit card software, click the Settings icon.
(2) Click Security Settings
Click Security Settings on the settings page.
(3) Click customer service
Click the customer service icon on the security settings page.
(4) Click on turn on/off
After entering the question, click on turn on/off according to the customer service prompts.
(5) Turn off the switch
Turn off the switch to cancel the password-free payment.
1. What is small-amount password-free and visa-free payment?
Small-amount password-free and visa-free payment service is a small-amount fast payment service provided by China UnionPay to cardholders. When the cardholder uses a financial IC card with the "Quick Pass" function to make a transaction of a certain amount (300 yuan domestically, subject to the local limit overseas) and below at a designated merchant, he only needs to bring the card or mobile device close to the POS Just "swipe the card" in the "Quick Pass" sensing area of ??the acceptance terminal such as the machine to complete the payment. During the payment process, you will not be asked to enter a password and no signature is required.
2. Which cards support small amounts without password and visa?
1. The card is a UnionPay financial IC card with "Quick Pass" function
With "62 ", with the UnionPay logo and the "QuickPass" logo. Cardholders can judge by whether there is a "Quick Pass" logo on the card surface.
2. If the cardholder is not using a traditional card but a mobile device with a "Quick Pass" function, password-free and visa-free payment is also supported.
3. Under what circumstances is the transaction free of password and visa-free
1. Use the card swipe payment method to bring the IC card close to the "Quick Pass" sensing area of ??the POS machine (i.e. "swipe the card" ), swiping the card or inserting the card does not support password-free payment.
2. The amount of a single transaction is less than a certain amount (inclusive) (300 yuan domestically, and the local limit overseas);
3. Comply with the risk control requirements of the card-issuing bank, such as It shall not exceed the cumulative password-free and visa-free transaction limit for the day, and the details shall be subject to the regulations of the card-issuing bank.
Operating environment: Huawei nova8 version number EMUI11, Ping An Pocket Bank app 5.3.1
How to cancel password-free payment with a credit card (credit card)?
The methods to cancel password-free payment with a credit card (credit card) are:
1. Go to a bank branch
Bring your ID card and credit card (credit card) ) Go to a nearby bank branch to turn off the "password-free and visa-free small amount" function.
2. Call the bank’s customer service number
After the customer service number is connected, transfer to a manual and inform the other party that you want to cancel the “small amount password-free and visa-free” function of your credit card (debit card).
In addition, some banks' mobile banking APPs can also turn off the "small-amount password-free and visa-free" function of credit cards (debit cards). You can go to the APP to find it yourself.
How to cancel small-amount password-free credit card payments?
So how to turn off password-free credit card payment?
1. Use credit card APP
Nowadays banks basically have their own credit card APP, and on these APPs, users can also turn off password-free payment on their own.
2. Call the bank customer service number
Call the bank customer service number and inform the bank that it needs to cancel the "password-free and visa-free small amount" function, and then check the personal information and pass it. , the bank will turn off this feature for you.
3. Go to a bank branch
You can also bring your ID card and credit card to the nearest bank branch, and inform the bank at the counter to request to turn off "password-free and visa-free for small amounts" "For this function, the bank will turn off password-free payment on the spot, which will take effect at that time.
Extension:
Credit cards have a small function called "Small amount without password and visa-free", which is a fast service provided by China UnionPay to cardholders. When a credit card has the "Quick Pass" mark, password-free payment will be used when transactions of a certain amount (300 yuan in China, subject to local limits overseas) and below are made at designated merchants.
That’s it for the introduction on how to turn off password-free credit card payment.