The worry-free card use service of Bank of Communications credit cards cannot be canceled. The worry-free card use service is a built-in service of the credit card.

Relevant regulations for Bank of Communications credit cards:

1. A bank settlement account opened for the special management and use of funds for specific purposes. Special deposit accounts are used to handle the collection and payment of various special funds. Special deposit accounts that allow cash withdrawals are subject to approval.

Capital construction funds, renovation funds, extra-budgetary funds, grain, cotton, and oil purchase funds, unit bank card reserve funds, securities transaction settlement funds, futures trading margins, interbank funds deposited by financial institutions, income remittance funds, and business expenditure funds Funds for organizational structures of the Party, Youth League, and trade unions located in units and other funds that need to be specially managed and used in accordance with regulations can apply for the opening of special deposit accounts.

2. Handle the collection and payment of funds arising from the temporary business activities of temporary institutions and depositors. Cash withdrawals from temporary deposit accounts should be handled in accordance with national cash management regulations. The scope of opening a temporary deposit account: establishment of temporary institutions, temporary business activities in other places, registration and capital verification.

3. The depositor’s collection and payment of funds for daily business activities and the withdrawal of wages, bonuses and cash should be handled through this account. General deposit accounts are used to handle the transfer of depositors' loans, loan repayments and other settlements of funds. This account can handle cash deposits, but cannot handle cash withdrawals.

4. While realizing fast financial services, we also pay more attention to security settings. Taking Pudong Development Bank’s mobile banking as an example, it has a mobile phone number recognition function, which is equivalent to adding a key to open mobile banking held by the customer. If the customer’s mobile phone number cannot be obtained, the customer cannot use the corresponding identity to log in to mobile banking, which greatly improves the efficiency. The security of mobile banking,

At the same time, mobile banking will display the customer number to confirm the identity after the customer logs in to avoid phishing. Shanghai Pudong Development Bank also separated the mobile banking login password and payment password to establish two safety nets for transactions. In addition, when the query password set by the user is too simple, the system will automatically prompt the user to change the password.

5. Other banks’ mobile banking also have their own unique strategies in terms of risk prevention. For example, ICBC’s mobile banking requires a dynamic password card in addition to the password when transferring money; while the account number of China Merchants Bank’s mobile banking users only needs Partial screen display can reduce the risk of account leakage due to the use of mobile phones in public places or theft of mobile phones.

6. Banks understand customer needs and have customer information, so banks will play an increasingly important role in this business. The main role of mobile operators is to provide secure data transmission channels for the business. An important reason for the rapid development of South Korea's mobile banking business is that banks play an active role in this business.

7. Banks can first transfer some simple services to self-service on mobile phones, such as account inquiries. According to statistics from the American Banking Association, the overall cost for users to go to the bank to receive services at the counter is US$2.7, while the cost is reduced to 1/4 through the teller machine. The cost of independent services through mobile phones is only 1/20 of the counter service.

Therefore, the worry-free card use service of the Bank of Communications credit card cannot be canceled. The worry-free card use service is a built-in service of the credit card.

Extended information:

The role of Bank of Communications credit card:

1. Guiding role

The guiding role of CCB mobile banking is mainly reflected in The guiding role of performance indicators is to clarify goals and guide work for employees.

2. Constraint effect

Some CCB mobile banks will clearly tell employees what they should do, whether the work they do is consistent with the performance indicators, and constrain employees' daily behaviors and management standards. and work priorities and goals.

3. Cohesion effect

Once CCB Mobile Banking is implemented, employees will use various resources and gather all available forces to achieve and complete performance goals, which can unite everyone in one ***The same goal and direction.

4. The role of competition

The setting of CCB’s mobile banking requires employees to achieve goals through hard work. The performance indicators clarify the direction and goals of employees’ efforts, thus providing Competition goals and comparison standards among employees, between departments, and between the enterprise and the outside world make employees compete with each other to complete performance appraisal indicators.

Reference source: Baidu Encyclopedia-Bank of Communications

Bank of Communications official website-Credit Card Terms