How to use credit cards without a credit card

A large part of the reason why credit cards are so popular is that they can be used for overdraft in advance. Of course, there are also reasons why you can sometimes enjoy many discounts when spending with a credit card. Therefore, many people swipe their credit cards to pay for transactions when making daily purchases. So, how do you use your credit card if you don’t have it with you?

If the credit card is not with you, you can conduct card-less transactions. The cardholder only needs to provide the credit card account number, validity period and "last three digits" information to achieve offline transactions. Many people book hotels, air tickets, etc. through cardless transactions.

As long as your credit card has the online payment function enabled, even if the credit card is not with you, you can scan the QR code to complete the payment by logging into the credit card APP or mobile banking; or bind the credit card to Alipay or WeChat Come up and pay.

However, everyone also needs to pay attention to the fact that cardless transactions are now possible, so as long as you have the relevant information, you can make purchases without a physical card. Therefore, everyone must take good care of their credit cards to avoid information leakage and credit card theft by others.

The number behind the credit card is the CVV code belonging to the credit card. That is, on the back of the credit card, there are 7 digits after the signature line. The last 3 digits are the credit card's CVV code, commonly known as the "security code." For security reasons, banks cannot query the validity period and CVV code of all credit cards. It is a checksum used for authentication. To prevent fraud, these three digits must be kept secret.

The CVV2 code is as important as the credit card password, but it is easily overlooked. You must be vigilant and do not leak the number easily. Since some websites, especially overseas websites, do not require a password when paying via credit card network, the transaction can be completed by just using the , validity period and CVV2 code.

1. Bill date:

The bill date refers to the bank’s regular monthly summary and settlement of all transactions, expenses, etc. on the credit card account for the current period, and calculation of the current period’s interest, total amount owed, and minimum Repayment amount.

For example, if your billing date is the 20th, then credit card transactions before the 20th of each month will be counted in this month's billing, and transactions after the 20th will be counted in the next billing cycle.

The billing date is fixed, the date of birth shown on the credit card application form (date of birth 29/30/31, the system is randomly configured to 4-28). See Billing Tips for details.

2. Last payment date:

It is the last date on which you pay off your current credit card balance. No interest will be paid before this date. If the final payment date is exceeded, interest will be calculated. So please remember the last payment date.

Card usage tips:

On the day of credit card consumption bill, the interest-free period is the shortest, 20/26 days;

After paying the bill with a credit card, the interest-free period is the longest 50/56 days.

Can I withdraw the money if I don’t have the credit card with me?

Of course, the credit card can be used for cardless transactions without a password. Therefore, cardholders are advised to protect the CVV code on the back of their credit card (often called the "last three codes" or CV2).

1. Card-less and secret transactions (also called offline transactions)

1. Currently, companies such as Kuaiqian provide a service: card-less secret transactions (also called offline transactions) ). Offline transactions are common in booking hotels, air tickets or other online payments. Cardholders only need to provide their credit card account number, expiration date and "last three codes" to complete the transaction and make purchases without providing a physical card or password.

2. Most credit card swiping is done at the POS machine provided by Kuaiqian Company. As long as you make purchases (book hotels and air tickets) through the POS machine or website provided by Kuaiqian Company, you do not need to enter a password.

2. "Card transfer transaction": The cardholder swipes the card and uses the credit card to sign for authorization at POS terminals such as shopping malls and supermarkets to complete the transaction.

1. Credit cards were originally introduced from abroad.

According to international practice, credit card purchases usually do not require a password. In the United States and other countries, whether it is a "card transaction" or an "offline transaction", the transaction voucher is signed by the cardholder or the last three codes. Therefore, foreign cardholders have a strong awareness of the protection of the last three codes. Domestic banks even recommend that cardholders set credit card passwords, but do not inform users in detail about the importance of the last three passwords. Instead, they support offline card-free transactions with the last three passwords at the same time.

2. It is recommended that cardholders protect their card information and not give the card to others at will, including for viewing, to prevent criminals from recording information in offline transactions. When shopping and transacting in the mall, the credit code should be concealed from those around you. You can cut a small piece of tape and put the "last three yards" on it. In general, you should try to swipe your card at the counter as often as possible to keep it out of your sight. If you need to make online payments and other purchases, tear the tape to find the "last three codes" and you won't be afraid of others peeking. At the same time, credit card transaction vouchers should be saved after consumption and carefully compared with monthly statements. If any abnormality is discovered, the Bank should be notified promptly.

3. The correct usage method is as follows:

Do not give the card to others at will, including for viewing.

You can cut a small piece of tape and put the "last three yards" on it.

Usually, try to swipe your card at the counter to prevent the credit card from leaving your sight.

At the same time, credit card transaction vouchers should be saved after consumption and carefully compared with monthly bills. If any abnormality is discovered, the Bank should be notified promptly.

How can I spend money without my credit card? It's actually very simple!

With the continuous popularity of credit cards, more and more people tend to use credit cards for consumption in their daily lives. They will take out their credit cards and swipe them wherever they can. Sometimes we inevitably encounter situations where we don’t have a card, but we need to use a credit card to make purchases, so what should we do? In fact, you can spend money without your credit card, and there is more than one way.

However, there is a prerequisite that the merchant you want to consume from must support credit cards. If it does, it depends on the merchant’s application scenario, such as online or offline consumption.

1. Online consumption:

Generally refers to online consumption, mainly in some e-commerce malls. The simplest one is Taobao shopping. Just remember the credit card and CVV2 code. , mobile phone verification code, transaction password and other information, even if the credit card is not with you, you can still consume.

2. Offline consumption:

There are two common consumption methods, namely consumption through POS machines and consumption by scanning QR codes.

Among them, swiping the POS machine for consumption means binding the credit card on Alipay or WeChat before swiping the card, and then adjusting the QR code of the bound credit card when swiping the card. Put the phone close to the POS machine and click a beep. To complete the payment, you do not need to enter the payment password for a single transaction of less than 1,000 yuan.

Scan code consumption means using your mobile phone to scan the QR code given by the merchant. For example, if an Alipay merchant has opened a credit card collection service with a collection code, you can use Alipay to scan the collection code and choose to pay. The method is credit card, and then enter the transaction password.

To sum up, you can make purchases even if you don’t have a credit card nearby. The premise is that the consumer merchant can support credit card payment, and there are many payment methods. As for which method to use for consumption, this will depend on your needs. It depends on the consumption scenario.

This ends the introduction on how to swipe a credit card when you are not around and how to swipe a credit card when you are not around. Have you found the information you need?