The reason for not using the password may be that a small amount of confidentiality is exempted from visa, or there is no payment password. If the transaction password is not set, the credit card can be consumed by signature at this time, and there is no password consumption limit for the credit card held, such as 500 yuan.

Secret-free and visa-free payment means that small payments can be completed without passwords and consumer signatures. Internationally, small secret-free visa-free payment is a mature payment method, which is also widely used in the domestic mobile payment field. Alipay, WeChat and other payment tools all have this function, which is the basic function of bank card opening by default.

Safety precautions:

1. When paying for goods, if you find terms and options such as "I agree" and "authorize" on the page, you should browse carefully and don't authorize functions such as "confidential payment" easily.

2. When setting up "confidential payment", users should also consider the frequency and amount of consumption on this platform. For those platforms with low frequency of use or high average consumption, users should try not to open confidential payment.

3. Users should avoid using birthdays and mobile phone numbers as passwords to avoid being used by criminals.

4. When "confidential payment" is enabled, users should set the monthly limit or one-time payment limit of confidential payment to avoid expanding losses.

Special payment:

Unionpay United Bank has set up special compensation for cardholders and provided 72-hour card loss protection service. That is to say, for UnionPay cards (including "China UnionPay Express") below 1000 yuan, if the card is lost or stolen, the cardholder can get compensation for stolen consumption within 72 hours before reporting the loss, and each cardholder can pay a maximum of 30,000 yuan per year.

In terms of compensation, the principle of "full compensation for risks" is adopted. In order to reduce the security concerns of cardholders, UnionPay and commercial banks have set up special compensation for cardholders, providing a small double-exemption "all-risk compensation" service, which can cover the fraudulent losses suffered by cardholders.

How to use:

The specific implementation method is as follows: once the user's mi band is bound to the mobile phone Alipay client, once the bracelet is close to the mobile phone, the operation of inputting the payment password can be omitted, and the payment can be completed directly by wearing the bracelet, thus realizing a convenient confidential-free payment process.

If consumers don't want to use the small secret visa-free payment function, they can also turn it off at any time. Debit cards and credit cards issued by bank outlets to consumers basically have the functions of small secret exemption, visa exemption and "flash payment" by default. If consumers want to turn off this function, they can call the customer service of the issuing bank to turn it off, or go to a bank outlet to handle it. To turn off this function, the cardholder only needs to apply to the bank card issuer.

You can swipe your card without entering your password! Credit card confidential payment.

Credit card secret-free payment, also called small secret-free payment, allows cardholders to enjoy a very fast payment experience. For example, your credit card is a flash payment card without secret payment. On POS machines with flash payment logo, you can pay by credit card without entering a password. So, is this payment method good or not? Will there be any hidden dangers? Let's introduce the related contents of credit card confidential payment for everyone.

What is credit card confidential payment?

Credit card confidential payment is generally only for small transactions, that is, the small confidential face-to-face function of credit cards, which is a fast payment service provided by China UnionPay for credit card holders.

As long as your credit card has the flash payment logo and the amount of credit card swiping is lower than the credit card confidential payment limit, you can swipe your card on the POS machine with the flash payment logo to complete the transaction without password and signature authentication.

What is the credit card security payment limit?

Previously, UnionPay's debit card and credit card were both 300 yuan limits.

However, from June, 2065438 1 day, UnionPay raised the single limit of small-sum confidentiality for UnionPay chip debit cards and credit cards from 300 yuan to 1000 yuan.

In other words, your debit card or credit card has the function of flash payment. If you swipe your card through contactless transaction, as long as the amount is below 1000 yuan, you can realize flash payment without password and signature at all.

Is it safe to pay by credit card without encryption?

Now many people use this function when they pay. Although the payment process is simple and convenient, it is also easy for consumers to be stolen without knowing it. Therefore, payment is still very risky, and it is recommended to close it here.

How to close the credit card confidential payment?

Credit card confidential payment can be closed through mobile banking, branch counters and customer service calls. For example, the small confidential payment of China Merchants Bank Card can be closed as follows:

Mobile banking: Click on My-Bank Card -"ATM and POS Settings-Small Secret Free Close.

Branch counter: You need to bring your valid ID card and credit card to any branch counter of China Merchants Bank to apply for account cancellation. Proxy is not supported.

Manual dialing: directly dial the credit card customer service hotline of China Merchants Bank, and turn to manual application for closing.

Can I swipe my credit card without a password? These conditions should be met.

Nowadays, many people are used to spending by credit card. I wonder if there has ever been such a situation. Sometimes you need to enter a password to swipe your card, and sometimes you can trade without entering a password. For example, credit cards can be swiped without passwords, mainly because they can provide a small number of confidential visa-free services.

Can I swipe my credit card without a password?

Small confidential visa-free credit card is a new fast payment service that UnionPay cooperates with major banks, which is what we often call flash payment. In the following four situations, you can swipe your card without a password.

1. Flash Payment Credit Card: namely, a chip credit card with two logos of "UnionPay" and "Express Flash Payment" on the front of the credit card. Only this kind of credit card can open the small amount of confidentiality and visa-free function. If the credit card is a magnetic stripe card, it is impossible.

2. Flash payment POS machine: Similar to flash payment credit card, there must be a UnionPay logo and a flash payment logo on the POS body, both of which are indispensable. Flash payment POS products have built-in non-contact fast payment technology, so you can swipe your credit card by putting it near the POS machine. If it is a non-flash payment POS machine, you can only insert a card and swipe it in the traditional way, which means you must use a password to trade.

3. Transaction amount: In order to prevent transaction risks, only a single small transaction below 1 000 yuan can be paid without password. If it exceeds 1000 yuan, even if you can pay by flash, you must enter a password to swipe your card.

Summary: The above three points are the necessary conditions for credit card to swipe without password. In addition, it depends on whether the bank opens a secret-free function for credit cards. However, after most bank credit cards are activated, the double-exemption function is turned on by default, and the cardholder does not need to take the initiative to apply, but needs to apply to the bank to turn off the double-exemption function.

Can I use a credit card without a password? You will know after reading it!

Many card friends think that credit cards can only be traded with passwords. Actually, it is not. You can use a credit card without a password. Some people even report that credit cards without passwords are safer than setting passwords. If you don't want to set a password for your credit card and want to use it, let's find out.

Can I use a credit card without a password?

There are two kinds of credit cards: inquiry password and transaction password. Usually, the practice of not setting a password refers to the transaction password, which is generally more common abroad.

It is said that credit cards have no passwords. If there is a stolen brush, you can find a merchant to sign the bill, confirm the cardholder by signature, and ask for refusal or refund. The premise is that you have relevant copies or photos, record your credit card and then sign the pattern for comparative evidence.

It is not difficult to see that credit cards can be used without passwords.

So, how to use a credit card without a password?

Credit cards don't have passwords. Generally, you need to choose a signature transaction when applying, and then the bank will pay by default without a password.

Then all you have to do is take a credit card, swipe it on the POS machine, and then sign the credit card bill for payment.

In addition, if your credit card is a flash payment card, the bank will open a small amount of secret-free payment by default, and the transaction is below 1000 yuan, so you can also pay without entering a password.

The above is "Can a credit card be used without a password?" As can be seen from the above introduction, credit cards can be used without passwords, mainly through signing transactions. It should be noted that the signature transaction has certain risks, especially if the credit card is lost and easily stolen by others. After all, most shopping malls don't carefully check the signatures of consumers.

Can I swipe my credit card without a password?

can

Credit cards can be swiped without a password. If the word "flash payment" appears on your bank card, from June 1 day, the limit of small-sum confidential single payment of UnionPay card will be raised from 300 yuan to 1000 yuan. Little secret-visa-free This is a "pay-as-you-go" payment experience. Within a certain amount, payment can be completed without entering a password and signature. According to the information of UnionPay official website, small-sum confidential exemption and visa-free is the basic function of bank card opening by default, and the cardholder's prior consent is not required to open this service.

According to the information released by UnionPay official website, cardholders can get a certain amount of compensation for the loss of stolen credit cards caused by card theft or loss reporting within 72 hours before the loss reporting, provided that the compensation conditions are met. Don't click on the link URL of SMS rashly, pay attention to cover it to prevent it from being peeked when you go out shopping, and keep the credit card properly or destroy it in time. Pay attention to the conditions of use when using UnionPay China UnionPay Express. There are two payment methods: China UnionPay Express and QR code. Please make it clear to the cashier when making payment. Safety precautions: 1. If you find terms and options such as "I agree" and "authorize" on the page when paying for goods, you should browse carefully and don't authorize functions such as "confidential payment" easily. 2. When setting up "confidential payment", users should also consider the frequency and amount of consumption on this platform. For those platforms with low frequency of use or high average consumption, users should try not to open confidential payment. 3. Users should avoid using birthdays and mobile phone numbers as passwords to avoid being used by criminals. 4. When "confidential payment" is enabled, users should set the monthly limit or one-time payment limit of confidential payment to avoid expanding losses.