If the user does not need to enter a password when completing a transaction using a credit card, it is likely that the user has turned on the password-free and visa-free function for small amounts. That is to say, when the cardholder uses a financial IC card or mobile device with the "Quick Pass" function to conduct a transaction of a certain amount or less at a designated merchant, he only needs to touch the "Quick Pass" sensor at the acceptance terminal such as a POS machine. Just "swipe your card" near the area to complete the payment process, no signature or password required.

What time does it take to swipe a credit card?

There is no limit on the time of use of credit cards, but banks will always monitor when users use credit cards. It is best to swipe the card between 8 a.m. and 9 p.m. to avoid being suspected of cashing out by the bank. Most merchants are open during this period. Of course, if you occasionally swipe your card at a 24-hour convenience store, it won't have much impact.

If you often swipe your card in the middle of the night, please stop this behavior as soon as the bank system detects a risky transaction.